Headquartered in Yankton, South Dakota, First Dakota National Bank is a national bank with $3.4B in total assets and $3.0B in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1872.
Based on its Q2 2026 filing, First Dakota National Bank scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 30th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is funding & liquidity (45/100; 96% loans-to-deposits, 33% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (68 → 72), mostly because the earnings component improved by 17 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.90% |
| Q4 2024 | 9.95% |
| Q1 2025 | 10.12% |
| Q2 2025 | 10.18% |
| Q3 2025 | 10.27% |
| Q4 2025 | 10.05% |
| Q1 2026 | 10.18% |
| Q2 2026 | 10.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.49% |
| Q2 2026 | 1.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $3.4B | 10.40% | 0.30% | 1.68% | 95.9% |
| Q1 2026 | 70 | $3.3B | 10.18% | 0.39% | 1.49% | 94.0% |
| Q4 2025 | 68 | $3.2B | 10.05% | 0.36% | 1.38% | 95.5% |
| Q3 2025 | 69 | $3.1B | 10.27% | 0.37% | 1.32% | 94.1% |
| Q2 2025 | 68 | $3.1B | 10.18% | 0.40% | 1.26% | 92.6% |
| Q1 2025 | 67 | $3.0B | 10.12% | 0.49% | 1.17% | 90.1% |
| Q4 2024 | 66 | $2.9B | 9.95% | 0.44% | 1.12% | 90.9% |
| Q3 2024 | 64 | $2.9B | 9.90% | 0.64% | 1.03% | 88.9% |
| Q2 2024 | 64 | $2.9B | 9.74% | 0.50% | 1.03% | 89.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| Sunrise Banks, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $2.8B | 10.2% | 1.34% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| The First National Bank in Sioux FallsBank Sioux Falls, SD | 67 out of 100, Moderate | $2.1B | 10.3% | 0.41% | vs |
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| First Bank & TrustBank Brookings, SD | 70 out of 100, Strong | $4.8B | 10.4% | 0.42% | vs |
Deposit insurance
Is my money safe at First Dakota National Bank?
Yes. First Dakota National Bank is an FDIC-insured institution (FDIC certificate #4028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.8% of deposits ($969.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
17 locations
Branches
First Dakota National Bank lists 17 offices in 12 cities. Most locations:
- Sioux Falls, SD (4)
- Mitchell, SD (2)
- Yankton, SD (2)
- Beresford, SD (1)
- Chamberlain, SD (1)
- Elk Point, SD (1)
- Kimball, SD (1)
- Parkston, SD (1)
- Pierre, SD (1)
- Salem, SD (1)
- Vermillion, SD (1)
- Wagner, SD (1)
HMDA 2025
Mortgage lending
In 2025, First Dakota National Bank reported 753 home-loan applications under HMDA (LEI 549300T1ONVEMLQ4B629): 633 originated ($262,655,000 total), 32 denied, and 84 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First Dakota National Bank
- Former names
- The First Dakota National Bank and Trust Company of Yankton
- Type
- National bank
- FDIC certificate #
- 4028
- RSSD ID
- 441256
- Primary regulator
- OCC
- Holding company
- First Dakota Financial Corp
- Established
- December 7, 1872
- Headquarters
- 225 Cedar St, Yankton, SD 57078
- Website
- www.firstdakota.com
- Employees
- 367
Quick answers
First Dakota National Bank: common questions
Is First Dakota National Bank FDIC insured?
Yes. First Dakota National Bank is an FDIC-insured institution (FDIC certificate #4028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Dakota National Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Dakota National Bank ever failed?
There is no failure record for FDIC certificate #4028 in the FDIC failed bank list.
How many branches does First Dakota National Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Yankton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cedar Security BankBank Fordyce, NE | 87 out of 100, Very strong | $62.1M | 18.0% | 0.96% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| The Farmers and Merchants State BankBank Scotland, SD | 83 out of 100, Strong | $36.0M | 11.9% | 0.08% | vs |
| Security BankBank Laurel, NE | 78 out of 100, Strong | $309.9M | 13.3% | 0.63% | vs |