First National Bank
Oldham, SD
IDRSSD: 944355
Total Assets
$462.47M
Latest filing
Total Deposits
$380.70M
Latest filing
Net Interest Margin
8.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
141 E Main St
Oldham, SD 57051
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/15/1985FDIC Certificate 32141
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 141 E Main St | Oldham, SD |
| RAMONA BRANCH | 200 E Main St | Ramona, SD |
| 53RD STREET BRANCH | 4500 E 53rd St | Davenport, IA |
| PLYMOUTH BRANCH | 13605 27th Ave N | Plymouth, MN |
| HASTINGS BRANCH | 1400 N Frontage Rd | Hastings, MN |
| LAKEFIELD BRANCH | 406 Main St | Lakefield, MN |
| SPRING VALLEY BRANCH | 208 N Broadway St | Spring Valley, MN |
| LE ROY BRANCH | 109 W Main St | Le Roy, MN |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/15/1985 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57051 |
| State and County Number | 46077 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | 77 |
| Domestic Offices | 12 |
| 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 | 02/15/1985 |
| Primary Insurance Agency | DIF |
| Website | www.firstnationalbanks.com |
| Data Updated | 01/30/2026 |
| CERT | 25894 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $462.47M |
| Total Deposits | $380.70M |
| Total Liabilities | $391.74M |
| Total Equity Capital | $70.73M |
| Net Income | $2.23M |
| Net Loans and Leases | $333.76M |
| Assets Per Employee ($Millions) | $5.78M |
| Bank Premises and Fixed Assets | $3.97M |
| Cash and Balances due from Depository Institutions | $22.21M |
| Deposits Held in Domestic Offices | $380.70M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 12.79% |
| Net Interest Margin | 8.59% |
| Efficiency Ratio | 43.77% |
| Tier 1 Risk-Based Capital Ratio | 16.982% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.59% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.294% |
| Earning Assets to total Assets | 93.2% |
Income and Expense
| Total Interest Income | $10.84M |
| Total Noninterest Income | $3.30M |
| Total Interest Expense | $1.68M |
| Total Noninterest Expense | $5.45M |
| Net Interest Income | $9.16M |
| Pre-tax Net Operating Income | $2.90M |
| Provision for Credit Losses | $4.11M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $761.00k |
| Other borrowed funds | $4.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.74M |
| Total Liabilities and Capital | $462.47M |
Securities
| Securities | $80.63M |
| Available-for-sale debt securities | $79.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$462.47M as of the latest filing.
How much are First National Bank's total deposits?
$380.70M in total deposits.
Where is First National Bank located?
Oldham, SD.
What is the Net Interest Margin?
8.59%.
How many domestic offices does it operate?
12.
When was it established?
02/15/1985.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$333.76M (latest filing).
What is the total interest income (latest filing)?
$10.84M.