First National Bank in Philip
Philip, SD
IDRSSD: 538754
Total Assets
$402.11M
Latest filing
Total Deposits
$348.08M
Latest filing
Net Interest Margin
3.65%
Profitability
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 11/14/2025Established 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
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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 | 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 | 26 |
| 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 | 11/14/2025 |
| CERT | 3999 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $402.11M |
| Total Deposits | $348.08M |
| Total Liabilities | $353.97M |
| Total Equity Capital | $48.13M |
| Net Income | $1.95M |
| Net Loans and Leases | $262.35M |
| Assets Per Employee ($Millions) | $14.89M |
| Bank Premises and Fixed Assets | $1.87M |
| Cash and Balances due from Depository Institutions | $9.44M |
| Deposits Held in Domestic Offices | $348.08M |
Key Performance Ratios
| Return on Assets (ROA) | 1.94% |
| Return on Equity (ROE) | 16.47% |
| Net Interest Margin | 3.65% |
| Efficiency Ratio | 44.58% |
| Tier 1 Risk-Based Capital Ratio | 15.29% |
| 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 | 11.97% |
| Earning Assets to total Assets | 92.92% |
Income and Expense
| Total Interest Income | $5.78M |
| Total Noninterest Income | $255.00k |
| Total Interest Expense | $2.33M |
| Total Noninterest Expense | $1.65M |
| Net Interest Income | $3.44M |
| Pre-tax Net Operating Income | $2.05M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $5.89M |
| Total Liabilities and Capital | $402.11M |
Securities
| Securities | $108.88M |
| Available-for-sale debt securities | $106.27M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.61M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank in Philip?
$402.11M as of the latest filing.
How much are First National Bank in Philip's total deposits?
$348.08M in total deposits.
Where is First National Bank in Philip located?
Philip, SD.
What is the Net Interest Margin?
3.65%.
How many domestic offices does it operate?
2.
When was it established?
12/04/1906.
What is the Return on Assets (ROA)?
1.94%.
How much are total loans and leases?
$262.35M (latest filing).
What is the total interest income (latest filing)?
$5.78M.