# FIRST NATIONAL BANK
FORT PIERRE, SD · FDIC certificate 14712 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.03B | |
| Deposits | $1.51B | |
| Loans and leases | $1.57B | |
| Total equity | $476.5M | |
| Loans / deposits | 98.94% (p83 of band) | 87.10% |
| Liquid assets / assets | 19.28% (p43 of band) | |
| Uninsured deposits / deposits | 42.42% (p78 of band) | 30.76% |
| Brokered deposits | 0.10% | |
| Wholesale funding | 0.83% (p21 of band) | |
| FHLB advances / assets | 0.73% | |
| Tier 1 leverage | 21.88% (p98 of band) | 10.50% |
| Unrealized securities loss / equity | -4.99% (p64 of band) | -7.75% |
| AOCI / equity | -0.26% (p52 of band) | |
| ROA (annualized) | 2.50% (p96 of band) | 1.26% |
| Net interest margin | 7.53% (p99 of band) | 3.70% |
| Efficiency ratio | 44.42% (p12 of band) | |
| Noncurrent loans | 0.69% (p62 of band) | 0.51% |
| Net charge-offs (annualized) | 2.63% (p99 of band) | |
| Reserve coverage of noncurrent | 706.46% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 26.79% (p26 of band) | |
| Auto loans | $1.6M (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 21.9% | |
| Employees | 210 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | loans exceed deposits |
| 2016-09 | 3 | loans exceed deposits, capital falling |  |
| 2016-12 | 2 |  | loans exceed deposits |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | noncurrent p90 |  |
| 2019-09 | 1 |  | loans exceed deposits, noncurrent p90 |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | loans exceed deposits |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-20 [Breakaway Team From First National Bank Launch RIA - Family Wealth Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxNcXFyLVZnTkw5Z3lrbDcxTjNSSW91ZTFmaGFkeGkxT2RhZkxvbjJSQzhnUlQxaDlvVzhkOXZ5X0I1TGtPSW9sSXYxWEF5UnNSbnRZdVZ0RGpZalJqWjNCa3ZQbkNnX2tDdWcyY1JXaWxSN1VZd0JGV2ZSOWtIbVFuT3p3MEJBZ3VGUEVJWjFROTVNbEF5RG9XUzFxRlVQR00?oc=5) · Family Wealth Report
- 2026-03-24 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1xS25DZ0JKU1ppZk9ZMlppWmswUXJyUUJQaXpfQjF4UUx4b0tqb2pBUl9Oa3FCSmRra213SGFEbHhoc3BiSG1CSk5HcnplSGYwZ1JyTVZ2YVotdw?oc=5) · SiouxFalls.Business
- 2022-09-26 [How First National Bank creates all-around experience with remodeled downtown branch - Pigeon605](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcG9xMnNLQUg4eWY1NG5TeVR1bWt6RWJ4ci1fcjRMQU9MQ2g5SmllSDJvU1lXa2k3MXNXUVBXT0kwdWhhRkYwb0Vwc3RRdWd1NGR4ZzNHUzhDUW51a1JDQTRlRkxsd1lPQXg1Z0ppeXBIYmp6TkVBdFpjQjktYlJreFExWkYyRnR2V090QVppb2ppOXcySzc1eV9UamVjX1djZHUydmFiTWF3djQ?oc=5) · Pigeon605
- 2023-03-28 [SVB’s closure rocked banking world. Can it happen in South Dakota? - South Dakota News Watch](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Xbnc0Slkxc08xSkUtSExDcTJrZXNGSnJVb1U1cjRGcHNWMDVsTF9adnBhWjJkVDZrd092akZ1SDRObTRsUEF5Z1VVMU1kWnRaYXhBMHRVSUUwVE5UVlhsYWFqNWltUG5fRDN1blVQQzYxMm5ydUlXZGw3VXB6UQ?oc=5) · South Dakota News Watch
- 2019-05-17 [First National Bank to acquire community-oriented Colorado bank - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbGc3bms4SWYxWDUtOHFEWnlhZ1l5d2l3X0VjaEh2Q1dONUI4LXIxbGFSYWtrdnhpejdlTjFNZ1NEek9hMFpSNHVXVUtwTTJzWE5XeVA3Q01VOE9VbHNNTl90X3Y5bk1XWVBvUkV3S0Z2c3Z1N3NabHZacFZzNGZxT01Tb0Uzc0ZROFlNZlFVMEhHaE5i?oc=5) · The Business Journals
- 2016-08-22 [First National Bank names new president - Argus Leader](https://news.google.com/rss/articles/CBMitwFBVV95cUxQTUl4VGV1WGptTTk0ZGc0dUZYUkdXRnc1YU1nUHRwdkUzTV9zLXgwaGp1eV94T0tYMEc0aW0td1Z4LWE5TnAwbWZLWHdieUVadURvOUdLT1JLbWk3a2pNMGY0N1FIcUtpdXpncmpwS3dOLVRpbXoySkV2NXZSY05HUDRoZWRrQzRDeFlpeUJOaktaYkJUTllTT0VHUGRqVUxPRWpGSTdkWnFBb3lGV2x4VVk0bWNhaVk?oc=5) · Argus Leader
- 2025-05-19 [Plans Announced For Sale Of Bank With Branches In Cheyenne, Burns - KGAB](https://news.google.com/rss/articles/CBMiigFBVV95cUxQV3JtZzBOQ21jY09iU2NBS1FuOE5iZEd2WDlpZGRlVjVEWGdFZ29kOFVheFZ5SGxpYnlHMzVpVkExRmlHZVJfTVItd0dnckpudG96LWFKcEk4RnA0VEpBdWdEeERKMW9iT00wV1JzYnZpWWhDQmFPSFZXc2FfUnA5aFdjTk96LV8zblE?oc=5) · KGAB
- 2024-05-15 [First National Bank renovates Benson Road branch, adds new business banker - SiouxFalls.Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbXk0NFBkOThSU1J4dHpBZUVUQ3J0T296WTdiU2dxVDE3WEFERmMyeDc2TVhucXF6Y2RsczdjNm42QWU3NUhOcUIxVXdKazhMNGpiUGF6Q1Q2VmtQYS1OZVU0V1FnNTRJUVJXRDNnVi1RaUsycW1FRTAtVEJRT3M1NFVOdGpQUHFUaWxhNTFock1vWGVwN2dDS0dYR1g4TW1iMjgyMA?oc=5) · SiouxFalls.Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14712 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "14712", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide