The First National Bank in Sioux Falls (FDIC certificate #4016) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $2.1B in total assets and $1.8B in deposits and 19 offices.
The First National Bank in Sioux Falls has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 38th. Problem-loan coverage contributes the most (94/100, 2.9%); funding & liquidity contributes the least (49/100, 89% loans-to-deposits, 35% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 67 |
| Q4 2024 | 65 |
| Q1 2025 | 67 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 66 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 10.62% |
| Q4 2024 | 10.36% |
| Q1 2025 | 10.46% |
| Q2 2025 | 10.35% |
| Q3 2025 | 10.80% |
| Q4 2025 | 10.40% |
| Q1 2026 | 10.22% |
| Q2 2026 | 10.34% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $2.1B | 10.34% | 0.41% | 1.15% | 88.6% |
| Q1 2026 | 67 | $2.1B | 10.22% | 0.42% | 1.08% | 87.1% |
| Q4 2025 | 66 | $2.1B | 10.40% | 0.44% | 1.03% | 88.7% |
| Q3 2025 | 64 | $2.0B | 10.80% | 0.71% | 0.95% | 91.9% |
| Q2 2025 | 66 | $2.0B | 10.35% | 0.38% | 0.87% | 89.2% |
| Q1 2025 | 67 | $2.0B | 10.46% | 0.23% | 0.79% | 89.2% |
| Q4 2024 | 65 | $2.0B | 10.36% | 0.27% | 0.66% | 85.2% |
| Q3 2024 | 67 | $1.9B | 10.62% | 0.11% | 0.65% | 86.2% |
| Q2 2024 | 65 | $1.9B | 9.99% | 0.15% | 0.66% | 87.2% |
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 National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| BankWest, Inc.Bank Pierre, SD | 38 out of 100, Low | $1.9B | 9.2% | 2.76% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| CorTrust Bank National AssociationBank Mitchell, SD | 62 out of 100, Moderate | $1.6B | 9.9% | 0.70% | vs |
| Sunrise Banks, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $2.8B | 10.2% | 1.34% | vs |
Deposit insurance
Is my money safe at The First National Bank in Sioux Falls?
Yes. The First National Bank in Sioux Falls is an FDIC-insured institution (FDIC certificate #4016). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.3% of deposits ($624.2M) 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 10.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.21% (benchmark: 10%).
19 locations
Branches
The First National Bank in Sioux Falls lists 19 offices in 7 cities. Most locations:
- Sioux Falls, SD (12)
- Brandon, SD (2)
- Baltic, SD (1)
- Chamberlain, SD (1)
- Dell Rapids, SD (1)
- Flandreau, SD (1)
- Harrisburg, SD (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank in Sioux Falls reported 205 home-loan applications under HMDA (LEI Q107R4XFOZ6F6K73C488): 180 originated ($61,330,000 total), 4 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, 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
- The First National Bank in Sioux Falls
- Former names
- First National Bank and Trust Company in Sioux Falls
- Type
- National bank
- FDIC certificate #
- 4016
- RSSD ID
- 326858
- Primary regulator
- OCC
- Holding company
- Minnehaha Banshares Inc
- Established
- September 8, 1885
- Headquarters
- 100 S Phillips Ave, Sioux Falls, SD 57104
- Website
- www.fnbsf.com
- Employees
- 280
Quick answers
The First National Bank in Sioux Falls: common questions
Is The First National Bank in Sioux Falls FDIC insured?
Yes. The First National Bank in Sioux Falls is an FDIC-insured institution (FDIC certificate #4016). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank in Sioux Falls's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank in Sioux Falls ever failed?
There is no failure record for FDIC certificate #4016 in the FDIC failed bank list.
How many branches does The First National Bank in Sioux Falls have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sioux Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |