BlastPoint's Banking Scorecard
First National Bank
Micro
Specialty: Agricultural
SD
FDIC cert 25894
Designations: ✓ Community bank
Oldham, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
First National Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.00% above tier
- + Net Interest Margin 4.86% above tier
- + Efficiency Ratio 25.37% below tier
- + Non-Interest Income / Assets 2.47% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$462.5M
+2.4% YoY
+2.3% QoQ
|
+$245.0M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$333.8M
+0.5% YoY
+2.4% QoQ
|
+$194.6M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$380.7M
-0.2% YoY
+2.0% QoQ
|
+$197.0M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
2.08%
+73.5% YoY
-2.4% QoQ
|
+1.00% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
8.71%
-7.1% YoY
-0.7% QoQ
|
+4.86% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
42.35%
+2.3% YoY
+1.1% QoQ
|
-25.37% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
2.34%
+86.9% YoY
-14.4% QoQ
|
+1.70% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
87.67%
+0.8% YoY
+0.5% QoQ
|
+13.14% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
14.48%
-0.2% YoY
+6.6% QoQ
|
-7.92% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.86%
+77.7% YoY
-13.6% QoQ
|
+1.40% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
19.42%
+10.4% YoY
+0.8% QoQ
|
+10.56% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
3.04%
-1.4% YoY
+27.7% QoQ
|
+2.47% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
8.71%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.35%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.04%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.86%
(Tier avg: 0.45%, National avg: 0.48%)
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: 8.71% · Tier avg: 3.85%
98
98th pctile
Non-Interest Income / Assets
Current: 3.04% · Tier avg: 0.56%
97
97th pctile
Efficiency Ratio
Current: 42.35% · Tier avg: 67.73%
96
96th pctile
Total Loans
Current: $333.8M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $462.5M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $380.7M · Tier avg: $183.7M
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.42% · Tier avg: 8.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 87.67% · Tier avg: 74.53%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.48% · Tier avg: 22.39%
10
10th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.86% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.86% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.64%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.48% · Tier avg: 22.39%
72
72th pctile
Loan-to-Deposit Ratio
Current: 87.67% · Tier avg: 74.53%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.42% · Tier avg: 8.85%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
95
95th pctile
Total Deposits
Current: $380.7M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $462.5M · Tier avg: $217.5M
96
96th pctile
Total Loans
Current: $333.8M · Tier avg: $139.2M
97
97th pctile
Efficiency Ratio
Current: 42.35% · Tier avg: 67.73%
98
98th pctile
Non-Interest Income / Assets
Current: 3.04% · Tier avg: 0.56%
100
100th pctile
Net Interest Margin
Current: 8.71% · Tier avg: 3.85%