First National Bank
Fort Pierre, South Dakota · FDIC Cert #14712
First National Bank is an FDIC-insured bank (Certificate #14712) with $1.7B in total assets and $1.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Fort Pierre, South Dakota, the bank maintains a Tier 1 capital ratio of 24.50% (Well-Capitalized) and a nonperforming loan ratio of 0.52%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First National Bank (FDIC cert 14712) is a mid-sized bank with $1.7B in total assets and $1.2B in deposits, based in Fort Pierre, South Dakota. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 24.50% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.52% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 18.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.12% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First National Bank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First National Bank
- Total Assets
- $1.7B
- Total Deposits
- $1.2B
- Tier 1 Capital Ratio
- 24.50%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.52%
- Liquidity Ratio
- 18.33%
- Return on Assets
- 2.12%
- Headquarters
- Fort Pierre, South Dakota
- FDIC Certificate
- #14712
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First National Bank holds a Tier 1 capital ratio of 24.50%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First National Bank shows strong financial health indicators. With $1.7B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First National Bank Compares
First National Bank’s Health Score of 85 is 11 points above the South Dakota state average of 74 across 47 FDIC-insured banks. Its 24.50% Tier 1 capital ratio is 10.5 points above the US banking industry average near 14%. The 0.52% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.12% is in line with or above the national ROA benchmark of ~1.1%. Among 726 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, First National Bank is 15 points above the portfolio average of 70.
Frequently Asked Questions
First National Bank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.50%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First National Bank's Tier 1 capital ratio of 24.50% and nonperforming loan ratio of 0.52% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14712). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First National Bank holds $1.7B in total assets and $1.2B in total deposits. It is headquartered in Fort Pierre, South Dakota (FDIC Certificate #14712).
First National Bank has a Tier 1 capital ratio of 24.50%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.52%, and the return on assets is 2.12%.
Yes. First National Bank is FDIC-insured (Certificate #14712). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.