First National Bank in Philip
Philip, SD
IDRSSD: 538754
Total Assets
$465.66M
Latest filing
Total Deposits
$409.09M
Latest filing
Net Interest Margin
3.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091404369PHILIP, SD
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank in Philip
103 E Oak Street
Philip, SD 57567
Full Service - Brick and Mortar
Updated 04/10/2026Established 12/04/1906FDIC Certificate 2595
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank in Philip (Main) | 103 E Oak Street | Philip, SD |
| FIRST NATIONAL BANK IN PHILLIP - FAITH BRANCH | 127 Main St | Faith, SD |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Black Hills Community Bank, N.A.
Rapid City, South Dakota
→
Assets: $491.88MΔ -2.3%
Security Savings Bank
Canton, South Dakota
→
Assets: $532.84MΔ +5.8%
First National Bank
Oldham, South Dakota
→
Assets: $462.47MΔ -8.2%
One American Bank
Centerville, South Dakota
→
Assets: $356.55MΔ -29.2%
BankStar Financial
Elkton, South Dakota
→
Assets: $350.39MΔ -30.4%
Frontier Bank
Sioux Falls, South Dakota
→
Assets: $341.88MΔ -32.1%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/04/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57567 |
| State and County Number | 46055 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbphilip.com |
| Data Updated | 04/10/2026 |
| CERT | 3999 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $465.66M |
| Total Deposits | $409.09M |
| Total Liabilities | $414.71M |
| Total Equity Capital | $50.95M |
| Net Income | $2.76M |
| Net Loans and Leases | $269.80M |
| Assets Per Employee ($Millions) | $17.91M |
| Bank Premises and Fixed Assets | $1.81M |
| Cash and Balances due from Depository Institutions | $60.98M |
| Deposits Held in Domestic Offices | $409.09M |
Key Performance Ratios
| Return on Assets (ROA) | 2.27% |
| Return on Equity (ROE) | 21.59% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 31.87% |
| Tier 1 Risk-Based Capital Ratio | 15.702% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.941% |
| Earning Assets to total Assets | 95.25% |
Income and Expense
| Total Interest Income | $6.14M |
| Total Noninterest Income | $291.00k |
| Total Interest Expense | $2.18M |
| Total Noninterest Expense | $1.35M |
| Net Interest Income | $3.96M |
| Pre-tax Net Operating Income | $2.90M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.62M |
| Total Liabilities and Capital | $465.66M |
Securities
| Securities | $116.62M |
| Available-for-sale debt securities | $111.53M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $5.08M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank in Philip?
$465.66M as of the latest filing.
How much are First National Bank in Philip's total deposits?
$409.09M in total deposits.
Where is First National Bank in Philip located?
Philip, SD.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
2.
When was it established?
12/04/1906.
What is the Return on Assets (ROA)?
2.27%.
How much are total loans and leases?
$269.80M (latest filing).
What is the total interest income (latest filing)?
$6.14M.