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First National Bank

Beresford, SD
IDRSSD: 67656
Total Assets
$1.51B
Latest filing
Total Deposits
$1.22B
Latest filing
Net Interest Margin
8.36%
Profitability
0

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 ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date01/01/1916
Community BankYes
Ownership TypeNot Mutual
ZIP57004
State and County Number46127
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number09
Numeric code3
Insured by FDICInstitution closed or not insured by FDIC
Federal Reserve District—
Core Based Statistical Area NameSioux City, IA-NE-SD

Operational Info

Number of Employees214
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date12/31/1988
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyBIF
WebsiteN/A
Data Updated11/14/2025
CERT3969
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.51B
Total Deposits$1.22B
Total Liabilities$1.23B
Total Equity Capital$280.91M
Net Income$9.01M
Net Loans and Leases$1.06B
Assets Per Employee ($Millions)$7.03M
Bank Premises and Fixed Assets$18.44M
Cash and Balances due from Depository Institutions$103.67M
Deposits Held in Domestic Offices$1.22B

Key Performance Ratios

Return on Assets (ROA)2.4%
Return on Equity (ROE)13.09%
Net Interest Margin8.36%
Efficiency Ratio41.97%
Tier 1 Risk-Based Capital Ratio22.758%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets3.02%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets18.589%
Earning Assets to total Assets95.37%

Income and Expense

Total Interest Income$34.20M
Total Noninterest Income$9.88M
Total Interest Expense$4.27M
Total Noninterest Expense$16.73M
Net Interest Income$29.93M
Pre-tax Net Operating Income$11.77M
Provision for Credit Losses$11.30M
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$14.25M
Total Liabilities and Capital$1.51B

Securities

Securities$294.64M
Available-for-sale debt securities$184.09M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$110.54M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First National Bank?
$1.51B as of the latest filing.
How much are First National Bank's total deposits?
$1.22B in total deposits.
Where is First National Bank located?
Beresford, SD.
What is the Net Interest Margin?
8.36%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1916.
What is the Return on Assets (ROA)?
2.4%.
How much are total loans and leases?
$1.06B (latest filing).
What is the total interest income (latest filing)?
$34.20M.