First Dakota National Bank
Yankton, SD · Cert 4028 · Peer group: banks $1B-$10B in assets (n=322-328) · First Dakota Financial Corp.
National charter · OCC · 17 branches
Q2 2026
$3.4BAssets
$2.9BLoans
$3.0BDeposits
$333.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks $1B-$10B in assets (rank 41 of 328).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets (rank 311 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 68 of 328
Net Interest Margin
3.73%
Rank 95 of 328
Efficiency Ratio
54.51%
Rank 115 of 328
Equity / Assets
9.82%
Rank 194 of 328
Non-interest income vs. expense
Unfavorable gap of $50.3M · efficiency ratio beats 65% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.91% | 1.22% | 1.52% | Beats 79% | 68 / 328 | | |
| Return on Equity | 16.68% | 8.43% | 11.45% | 14.43% | Beats 88% | 41 / 328 | | |
| Net Interest Margin | 3.73% | 3.03% | 3.45% | 3.83% | Beats 71% | 95 / 328 | | |
| Efficiency Ratio | 54.51% | 51.61% | 59.56% | 67.53% | Beats 65% | 115 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.24% | 0.51% | 1.03% | Beats 68% | 104 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 87% | 46 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 10.40% | 11.75% | 13.15% | 15.47% | Beats 8% | 302 / 328 | | |
| Total Risk-Based Capital Ratio | 10.40% | 12.63% | 14.15% | 16.46% | Beats 5% | 311 / 328 | | |
| Equity / Assets | 9.82% | 9.15% | 10.33% | 12.01% | Beats 41% | 194 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.03% | 76.63% | 87.92% | 95.36% | 79th pctl | 67 / 323 | | |
| Loans / Assets | 84.72% | 65.18% | 74.15% | 79.98% | 90th pctl | 33 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |