BlastPoint's Banking Scorecard
The First National Bank of Frederick
Micro
Specialty: Agricultural
SD
FDIC cert 3985
Designations: ✓ Community bank
Frederick, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
The First National Bank of Frederick faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.46% below tier
- - Loan-to-Deposit Ratio 40.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.2M
-19.3% YoY
+0.9% QoQ
|
-$191.3M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$7.8M
-15.3% YoY
+43.0% QoQ
|
-$131.4M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$22.6M
-23.5% YoY
+0.1% QoQ
|
-$161.1M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.33%
-35.9% YoY
-8.9% QoQ
|
-0.75% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.39%
-0.6% YoY
+1.1% QoQ
|
-1.46% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
82.41%
+15.5% YoY
+1.7% QoQ
|
+14.68% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? | 0.15% | -0.49% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
34.43%
+10.7% YoY
+42.9% QoQ
|
-40.09% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.45%
+19.0% YoY
+0.1% QoQ
|
-0.94% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? | 0.05% | -0.41% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
+10.0% YoY
+29.8% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
34.43%
(Tier avg: 74.53%, National avg: 78.04%)
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
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.45% · Tier avg: 22.39%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
17
17th pctile
Efficiency Ratio
Current: 82.41% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
4
4th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.85%
3
3th pctile
Loan-to-Deposit Ratio
Current: 34.43% · Tier avg: 74.53%
3
3th pctile
Total Deposits
Current: $22.6M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $7.8M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $26.2M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $26.2M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $7.8M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $22.6M · Tier avg: $183.7M
3
3th pctile
Loan-to-Deposit Ratio
Current: 34.43% · Tier avg: 74.53%
4
4th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.85%
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.41% · Tier avg: 67.73%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.45% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%