# FIRST DAKOTA NATIONAL BANK
YANKTON, SD · FDIC certificate 4028 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $3.39B | |
| Deposits | $2.96B | |
| Loans and leases | $2.87B | |
| Total equity | $333.0M | |
| Loans / deposits | 95.95% (p77 of band) | 87.10% |
| Liquid assets / assets | 10.54% (p7 of band) | |
| Uninsured deposits / deposits | 32.75% (p56 of band) | 30.76% |
| Brokered deposits | 1.47% | |
| Wholesale funding | 3.87% (p40 of band) | |
| FHLB advances / assets | 2.40% | |
| Tier 1 leverage | 10.40% (p48 of band) | 10.50% |
| Unrealized securities loss / equity | -8.48% (p47 of band) | -7.75% |
| AOCI / equity | -0.16% (p60 of band) | |
| ROA (annualized) | 1.68% (p78 of band) | 1.26% |
| Net interest margin | 4.03% (p70 of band) | 3.70% |
| Efficiency ratio | 54.51% (p37 of band) | |
| Noncurrent loans | 0.30% (p34 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 368.26% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 49.69% (p52 of band) | |
| Auto loans | $10.6M (0.37% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 367 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | capital falling, reserve under noncurrent |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-01-13 [First Dakota National Bank names new president - SiouxFalls.Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxQSHdqQXhGNWx1TXl2QjlKRzlRdFNJS1BHa25XM3JodlRVWGZRLU1jazR6aGpsV29qQ0R6MjQ4bUx1T2l4cDE2Q2JFN3RaLWp5RnQtbGtScmtldjY5MG04TUJyalh1N3dPVWpBaVhNM2RDWGhZYmJCaDJjSl9KRnp2Wg?oc=5) · SiouxFalls.Business
- 2026-08-26 [Maurice Klatt Obituary May 30, 2004 - Miller Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE12aUZnUExhcy1POGtEZWZ1YzNVUkZmVDc2NG9xS0hpamRHa2s0WW16SGd2Zjg0UjRlb3VDQnk4SzRkT1piUm1hUHlyZnhoam5KV3dfN005VW9yNjdHc2c?oc=5) · Miller Funeral Home
- 2026-03-19 [Contact Center Sees $100K Donation From First Dakota Bank - yankton.net](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPV1lHZVlVYzJGR2lGRnB4Z1U5a2djZF81ektpSVpFSVY3bVpROTFlclhNbExXSDhjUlpjZ2w5ZUFaSlo4eHBfbTcyLUV5Y3FveEVscEh0MzVoMFRtNlhLU0Qwd2lJMXJYRUxxay1OdUpmdEI0ZXAzSmxnTTRCV0JJX0tiakRmbU5oaVBN?oc=5) · yankton.net
- 2025-12-08 [First Dakota National Bank Review: High-Yield Savings and Great Local Banking - GOBankingRates](https://news.google.com/rss/articles/CBMiigFBVV95cUxPd3JOOFJKdGJnb25Rbkttdm9ZXy1FUU9iTFNhbnJlbjVoa1dFT3JVeVZGWkcwS2RXd0JRano1ZC0tZERsdEs1TnRsZUdXTjNiQV9GVXQwaGJGeWxUd202MnRrQXNpMmxQd3IyZ004U25uSkhLSnl1ME9SQzA1UEZEZ3lrOU1hUllNQXc?oc=5) · GOBankingRates
- 2026-01-21 [The Best Savings Accounts in South Dakota for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5YNjk1QlhOdWZFT2ZFRnhyaVFkQnR5MG82eUJBTkpYNXU5UGdIQU9qMlVrVGZteFBId0dtZVdWakNjTlhwNjk1LWpsQU1mX2Etc3lUN29nQUxyM3ZwZnJDM0JJcnZmZjhaNEtScTNDa1R2WkVLUHhYb2ZXS19qQQ?oc=5) · moneyrates.com
- 2026-06-30 [Avera Cancer Institute holds grand opening for new facility in Yankton - Dakota News Now](https://news.google.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?oc=5) · Dakota News Now
- 2026-05-18 [Leadership Pierre Class of 2025-26 completes course - DRGNews](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSUJRdmRFTmQ4bkNQeXU3RW5oNm15bWZQNkVxTnNJa1FvdGZwNU5ublFzOXNUYm9zSmthNW1sRUtWUFlMNnBsZllKSkFaMGgyZWhncnFVUXZ0OFB3QVotT3hQRmtDNUkxTkl0Vzc2X1l6X1Q5WVlYd0hfNkVEWWVjMWlJeEtxQQ?oc=5) · DRGNews
- 2025-12-22 [Gov. Rhoden Announces Grant for Keep Farmers Farming Program - South Dakota State News (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNVc4S1B1WktCb2dZRFRrZWRPbUFOQTlRQVBNZkpqaXN6ZHFNZ0s2ck5lWkI4dUI0cU9WZVQ2S2laWVRGTTc2V1hZNUNoWVp0V0tTX0JUR0IzZnB4ZnNrd1dIbUM1RTl1RUZGUVE3TzI1T3NuMUtGTW9RN3BVMzlCZlcwc054cDQ1S05xbXA0R3V6QQ?oc=5) · South Dakota State News (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4028 (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/60.json (key "4028", 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