BlastPoint's Banking Scorecard
First National Bank
Community
Specialty: Commercial
SD
FDIC cert 14712
Fort Pierre, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
First National Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 7% in Community
- + Profitability Leader: Top 18% in Community
- + Net Interest Margin 4.27% above tier
- + Efficiency Ratio 21.33% below tier
- + Tier 1 Capital Ratio 15.26% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+22.9% YoY
+1.8% QoQ
|
+$681.9M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.4B
+14.2% YoY
+0.2% QoQ
|
+$468.1M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.6B
+27.3% YoY
+1.9% QoQ
|
+$406.8M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
2.24%
+16.1% YoY
+0.5% QoQ
|
+1.08% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
7.93%
-4.9% YoY
-0.2% QoQ
|
+4.27% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
41.31%
+11.1% YoY
+2.8% QoQ
|
-21.33% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.02%
-24.7% YoY
+2.6% QoQ
|
+0.39% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
91.87%
-10.3% YoY
-1.6% QoQ
|
+8.80% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
22.06%
-10.7% YoY
-21.9% QoQ
|
+1.01% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.74%
-40.7% YoY
-20.4% QoQ
|
+0.24% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
25.50%
-9.7% YoY
+1.1% QoQ
|
+15.26% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
2.46%
+4.8% YoY
+46.9% QoQ
|
+1.72% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#26 of 371 · Top 7% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.46%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#66 of 371 · Top 18% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
7.93%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
41.31%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
25.50%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#21 of 268 · Bottom 7% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
25.50%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
91.87%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Net Interest Margin
Current: 7.93% · Tier avg: 3.66%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.50% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 2.46% · Tier avg: 0.74%
95
95th pctile
Efficiency Ratio
Current: 41.31% · Tier avg: 62.63%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 21.05%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.87% · Tier avg: 83.06%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.63%
Top Weaknesses
25
25th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.63%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.50%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.87% · Tier avg: 83.06%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.06% · Tier avg: 21.05%
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 41.31% · Tier avg: 62.63%
97
97th pctile
Non-Interest Income / Assets
Current: 2.46% · Tier avg: 0.74%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.50% · Tier avg: 10.24%
100
100th pctile
Net Interest Margin
Current: 7.93% · Tier avg: 3.66%