Side-by-side · Q2 2026 data
First Bank & Trust vs First Dakota National Bank
Metric by metric
| Measure | First Bank & Trust | First Dakota National Bank |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 54 | 54 |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 72 | 87 (stronger) |
| Funding & liquidity | 58 (stronger) | 45 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 58th | 66th |
| Total assets | $4.8B | $3.4B |
| Deposits / shares | $4.2B | $3.0B |
| Capital ratio | 10.37% | 10.40% (stronger) |
| Problem loans | 0.42% | 0.30% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.31% | 1.68% (stronger) |
| Loans ÷ deposits | 84.6% (stronger) | 95.9% |
| Uninsured deposits | 31.1% (stronger) | 32.8% |
| Offices | 22 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 4.8% |
First Dakota National Bank has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust leads on 2 and First Dakota National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sioux Falls, SD
- Vermillion, SD