BlastPoint's Banking Scorecard
First National Bank in Philip
Community
Specialty: Agricultural
SD
FDIC cert 3999
Philip, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
First National Bank in Philip has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.37% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 23.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$503.6M
+18.5% YoY
+25.3% QoQ
|
-$887.8M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$265.2M
+12.7% YoY
+1.1% QoQ
|
-$710.3M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$445.8M
+18.5% YoY
+28.1% QoQ
|
-$718.8M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.83%
+2.6% YoY
-0.4% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.42%
+3.1% YoY
+0.1% QoQ
|
-0.25% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
44.26%
-0.2% YoY
+0.2% QoQ
|
-18.37% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
59.49%
-4.9% YoY
-21.1% QoQ
|
-23.57% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.67%
+14.5% YoY
+37.5% QoQ
|
+3.62% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.76%
-6.4% YoY
+3.1% QoQ
|
+5.51% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.20%
-12.2% YoY
+0.7% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.26%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
59.49%
(Tier avg: 83.06%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
92
92th pctile
Efficiency Ratio
Current: 44.26% · Tier avg: 62.63%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 10.24%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.67% · Tier avg: 21.05%
37
37th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.49% · Tier avg: 83.06%
4
4th pctile
Total Deposits
Current: $445.8M · Tier avg: $1.2B
3
3th pctile
Total Loans
Current: $265.2M · Tier avg: $975.5M
1
1th pctile
Total Assets
Current: $503.6M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $503.6M · Tier avg: $1.4B
3
3th pctile
Total Loans
Current: $265.2M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $445.8M · Tier avg: $1.2B
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.49% · Tier avg: 83.06%
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
37
37th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.67% · Tier avg: 21.05%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 10.24%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.26% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%