BlastPoint's Banking Scorecard
The First National Bank in Sioux Falls
Community
Specialty: Agricultural
SD
FDIC cert 4016
Sioux Falls, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
The First National Bank in Sioux Falls faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 43% 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
+6.7% YoY
+5.0% QoQ
|
+$696.6M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.5B
+8.1% YoY
+4.0% QoQ
|
+$534.1M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.7B
+3.9% YoY
+7.8% QoQ
|
+$538.1M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.03%
+54.6% YoY
+8.4% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.31%
+20.5% YoY
+1.8% QoQ
|
-0.35% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
64.62%
-14.1% YoY
-3.9% QoQ
|
+1.99% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.45%
+62.3% YoY
-37.8% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
88.66%
+4.0% YoY
-3.6% QoQ
|
+5.60% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
24.53%
-2.2% YoY
-2.2% QoQ
|
+3.48% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.33%
+64.4% YoY
-38.4% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
14.09%
+5.9% YoY
-0.6% QoQ
|
+3.85% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
1.05%
+6.5% YoY
+34.4% QoQ
|
+0.31% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#279 of 642 · Bottom 43% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 10.24%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.53% · Tier avg: 21.05%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
43
43th pctile
Efficiency Ratio
Current: 64.62% · Tier avg: 62.63%
41
41th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.66% · Tier avg: 83.06%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
Top Weaknesses
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.66% · Tier avg: 83.06%
41
41th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
43
43th pctile
Efficiency Ratio
Current: 64.62% · Tier avg: 62.63%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.53% · Tier avg: 21.05%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 10.24%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%