Is First Nb in Philip Safe?
First Nb in Philip has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (83/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.56% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 25.70% | 83/100 |
| Return on Assets | 1.95% | 98/100 |
| Total Assets | $0.4B | |
How does First Nb in Philip compare?
With a Bank Health Score of 96/100, First Nb in Philip sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within South Dakota, where 47 FDIC-insured banks are headquartered, First Nb in Philip ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.56% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb in Philip's Bank Health Score fell by 2.0 points to 96/100. Tier 1 capital was essentially flat at 15.56%. Quarter-over-quarter, the score fell by 4.0 points.
First Nb in Philip has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (83/100).