First National Bank in Philip is a national bank headquartered in Philip, South Dakota, in business for about 120 years. At the end of Q2 2026 it reported $458.4M in total assets and $400.6M in deposits, with 2 offices.
Based on its Q2 2026 filing, First National Bank in Philip scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 8th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (71/100; 12.05%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 87 |
| Q4 2024 | 86 |
| Q1 2025 | 85 |
| Q2 2025 | 86 |
| Q3 2025 | 88 |
| Q4 2025 | 84 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.03% |
| Q3 2024 | 13.01% |
| Q4 2024 | 12.11% |
| Q1 2025 | 11.99% |
| Q2 2025 | 12.23% |
| Q3 2025 | 12.77% |
| Q4 2025 | 11.33% |
| Q1 2026 | 11.67% |
| Q2 2026 | 12.05% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.86% |
| Q3 2024 | 1.74% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.80% |
| Q3 2025 | 1.84% |
| Q4 2025 | 1.83% |
| Q1 2026 | 2.27% |
| Q2 2026 | 2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $458.4M | 12.05% | 0.00% | 2.15% | 69.2% |
| Q1 2026 | 86 | $465.7M | 11.67% | 0.00% | 2.27% | 66.0% |
| Q4 2025 | 84 | $503.6M | 11.33% | 0.00% | 1.83% | 59.5% |
| Q3 2025 | 88 | $402.1M | 12.77% | 0.00% | 1.84% | 75.4% |
| Q2 2025 | 86 | $405.0M | 12.23% | 0.00% | 1.80% | 72.5% |
| Q1 2025 | 85 | $422.8M | 11.99% | 0.00% | 1.68% | 63.0% |
| Q4 2024 | 86 | $425.1M | 12.11% | 0.00% | 1.79% | 62.5% |
| Q3 2024 | 87 | $372.2M | 13.01% | 0.00% | 1.74% | 77.1% |
| Q2 2024 | 88 | $359.8M | 13.03% | 0.00% | 1.86% | 78.7% |
2,650 peers · $100 million – $1 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 National BankBank Oldham, SD | 77 out of 100, Strong | $477.8M | 18.4% | 2.01% | vs |
| Black Hills Community Bank, N.A.Bank Rapid City, SD | 81 out of 100, Strong | $489.7M | 12.4% | 0.00% | vs |
| BankStar FinancialBank Elkton, SD | 71 out of 100, Strong | $363.5M | 9.4% | 0.14% | vs |
| Security Savings BankBank Canton, SD | 69 out of 100, Moderate | $557.4M | 9.4% | 0.09% | vs |
| Rivers Edge BankBank Marion, SD | 68 out of 100, Moderate | $357.1M | 8.3% | 0.16% | vs |
| Frontier BankBank Sioux Falls, SD | 67 out of 100, Moderate | $349.2M | 8.8% | 0.00% | vs |
Deposit insurance
Is my money safe at First National Bank in Philip?
Yes. First National Bank in Philip is an FDIC-insured institution (FDIC certificate #3999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.0% of deposits ($124.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.46% (benchmark: 10%).
2 locations
Branches
First National Bank in Philip lists 2 offices in 2 cities. Most locations:
- Faith, SD (1)
- Philip, SD (1)
Identity & history
Profile
- Legal name
- First National Bank in Philip
- Former names
- The First National Bank of Midland
- Type
- National bank
- FDIC certificate #
- 3999
- RSSD ID
- 538754
- Primary regulator
- OCC
- Holding company
- Philip Bcorp Inc
- Established
- December 4, 1906
- Headquarters
- 103 E Oak Street, Philip, SD 57567
- Website
- www.fnbphilip.com
- Employees
- 29
Quick answers
First National Bank in Philip: common questions
Is First National Bank in Philip FDIC insured?
Yes. First National Bank in Philip is an FDIC-insured institution (FDIC certificate #3999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank in Philip's TellerScore?
87 out of 100 (Very 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 in Philip ever failed?
There is no failure record for FDIC certificate #3999 in the FDIC failed bank list.
How many branches does First National Bank in Philip have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Philip
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankWest, Inc.Bank Pierre, SD | 38 out of 100, Low | $1.9B | 9.2% | 2.76% | vs |