TellerScore

First National Bank (FDIC certificate #14712) is based in Fort Pierre, South Dakota. Its Q2 2026 call report shows $2.0B in total assets and $1.5B in deposits and 20 offices across 3 states.

First National Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 95% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 11th. Capital cushion contributes the most (100/100, 21.88%); funding & liquidity contributes the least (31/100, 99% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 21.88%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.69%
Earnings100/100
Return on assets (annualized): 2.50%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 98.9% · 42.4% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.07%

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 5 points (79 → 84), mostly because the loan quality component improved by 12 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202476
Q4 202477
Q1 202577
Q2 202579
Q3 202583
Q4 202582
Q1 202683
Q2 202684
Tier 1 leverage ratio
5.00%14.73%24.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202423.17%
Q3 202423.54%
Q4 202423.68%
Q1 202524.23%
Q2 202524.45%
Q3 202520.13%
Q4 202520.27%
Q1 202621.18%
Q2 202621.88%
Noncurrent loans
0.52%0.93%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.52%
Q3 20241.29%
Q4 20241.27%
Q1 20251.34%
Q2 20251.05%
Q3 20250.94%
Q4 20250.96%
Q1 20260.82%
Q2 20260.69%
Return on assets
1.59%2.05%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.59%
Q3 20241.82%
Q4 20241.93%
Q1 20252.34%
Q2 20252.29%
Q3 20252.23%
Q4 20252.24%
Q1 20262.51%
Q2 20262.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$2.0B21.88%0.69%2.50%98.9%
Q1 202683$2.0B21.18%0.82%2.51%95.0%
Q4 202582$2.1B20.27%0.96%2.24%91.9%
Q3 202583$2.0B20.13%0.94%2.23%93.4%
Q2 202579$1.7B24.45%1.05%2.29%105.4%
Q1 202577$1.7B24.23%1.34%2.34%102.8%
Q4 202477$1.7B23.68%1.27%1.93%102.4%
Q3 202476$1.7B23.54%1.29%1.82%103.2%
Q2 202481$1.7B23.17%0.52%1.59%101.3%

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).

Capital ratio21.88%
99th
Total risk-based capital27.48%
97th
Problem loans0.69%
39th
Net charge-offs3.49%
1st
Return on assets2.50%
96th
Net interest margin7.53%
99th
Efficiency ratio44.4%
88th
Loans to deposits98.9%
17th
Uninsured deposits42.4%
22nd
Loan-loss reserves4.85%
99th
Texas ratio2.1%
68th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank in Sioux FallsBank Sioux Falls, SD67 out of 100, Moderate$2.1B10.3%0.41%vs
BankWest, Inc.Bank Pierre, SD38 out of 100, Low$1.9B9.2%2.76%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
CorTrust Bank National AssociationBank Mitchell, SD62 out of 100, Moderate$1.6B9.9%0.70%vs
1st Financial Bank USABank Dakota Dunes, SD74 out of 100, Strong$1.4B16.3%1.51%vs

Deposit insurance

Is my money safe at First National Bank?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #14712). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.4% of deposits ($640.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 21.88%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 27.48% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

First National Bank lists 18 offices in 17 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank reported 395 home-loan applications under HMDA (LEI 254900OD9TDRYGWJ0N48): 314 originated ($120,260,000 total), 29 denied, and 50 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, 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 National Bank
Former names
First National Bank in Pierre
Type
National bank
FDIC certificate #
14712
RSSD ID
355858
Primary regulator
OCC
Holding company
Capitol Bcorp Inc
Established
January 1, 1934
Headquarters
307 E Hustan Ave, Fort Pierre, SD 57532
Employees
210

Quick answers

First National Bank: common questions

Is First National Bank FDIC insured?

Yes. First National Bank is an FDIC-insured institution (FDIC certificate #14712). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank's TellerScore?

84 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 National Bank ever failed?

There is no failure record for FDIC certificate #14712 in the FDIC failed bank list.

How many branches does First National Bank have?

20 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Fort Pierre

InstitutionScoreAssetsCapitalProblem loansCompare
Oahe Federal Credit UnionCredit union Pierre, SD87 out of 100, Very strong$45.1M16.2%1.03%vs
First Fidelity BankBank Burke, SD75 out of 100, Strong$717.0M9.4%0.39%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
Black Hills Federal Credit UnionCredit union Rapid City, SD63 out of 100, Moderate$2.4B10.6%0.95%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs