Yankton, SD · Cert 4028 · First Dakota Financial Corp.
National charter · OCC · 17 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.1% share · #8 of 42 inst. · $1.2B of $1127.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.12% | 1.17% | 1.26% | 1.32% | 1.38% | 1.49% | 1.68% | +42 bps | |
| Return on Equity | 11.88% | 12.73% | 12.63% | 13.50% | 14.02% | 14.60% | 15.54% | 17.36% | +386 bps | |
| Net Interest Margin | 2.90% | 2.99% | 3.37% | 3.41% | 3.41% | 3.40% | 3.62% | 3.73% | +33 bps | |
| Efficiency Ratio | 63.68% | 62.61% | 57.45% | 56.92% | 57.44% | 58.05% | 57.49% | 54.51% | -241 bps | |
| Non-Interest Burden | 1.47% | 1.48% | 1.43% | 1.47% | 1.49% | 1.51% | 1.56% | 1.50% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | -0.70% | 3.28% | 6.03% | 8.42% | 11.23% | 9.92% | 10.79% | +476 bps | |
| Loan Growth (YoY) | 1.86% | 4.55% | 7.49% | 8.72% | 13.35% | 13.49% | 14.03% | 11.83% | +311 bps | |
| Deposit Growth (YoY) | 0.30% | -1.69% | 2.37% | 5.01% | 7.18% | 8.17% | 9.46% | 8.15% | +314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.44% | 0.49% | 0.40% | 0.37% | 0.36% | 0.39% | 0.30% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.05% | -0.02% | -0.01% | 0.03% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.24% | 1.22% | 1.27% | 1.29% | 1.19% | 1.12% | 1.12% | 1.12% | -17 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.8x | 2.6x | 3.2x | 3.2x | 3.1x | 2.9x | 3.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 9.95% | 10.12% | 10.18% | 10.27% | 10.05% | 10.18% | 10.40% | +22 bps | |
| Total Risk-Based Capital | 12.37% | 12.16% | 12.34% | 12.27% | 12.23% | 11.92% | 12.10% | 10.40% | -187 bps | |
| Equity / Assets | 9.28% | 9.19% | 9.34% | 9.51% | 9.69% | 9.49% | 9.68% | 9.82% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.04% | 92.03% | 91.24% | 93.84% | 95.22% | 96.56% | 95.05% | 97.03% | +319 bps | |
| Liquid Assets / Assets | 1.03% | 0.22% | 1.69% | 0.13% | 0.12% | 0.51% | 0.39% | 0.10% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 397% | 402% | 403% | n/a | n/a | |