The First National Bank in Sioux Falls
Sioux Falls, SD
IDRSSD: 326858
Total Assets
$1.99B
Latest filing
Total Deposits
$1.58B
Latest filing
Net Interest Margin
3.38%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank in Sioux Falls
100 S Phillips Ave
Sioux Falls, SD 57104
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/08/1885FDIC Certificate 2602
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The First National Bank in Sioux Falls (Main) | 100 S Phillips Ave | Sioux Falls, SD |
| WESTERN MALL BRANCH | 2505 W 41st St | Sioux Falls, SD |
| 57TH STREET BRANCH | 401 W 57th St | Sioux Falls, SD |
| WESTPORT BRANCH | 4000 S Westport Ave | Sioux Falls, SD |
| PRINCE OF PEACE | 4500 S Prince Of Peace Pl | Sioux Falls, SD |
| BRANDON BRANCH | 101 S Splitrock Blvd | Brandon, SD |
| BALTIC BRANCH | 202 St Olaf Ave | Baltic, SD |
| SIOUX FALLS - BENSON ROAD OFFICE BRANCH | 1901 E Benson Rd | Sioux Falls, SD |
Showing 7 of 17
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 | 09/08/1885 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57104 |
| State and County Number | 46099 |
| 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 | Sioux Falls, SD |
Operational Info
| Number of Employees | 269 |
| Domestic Offices | 18 |
| 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.fnbsf.com |
| Data Updated | 11/14/2025 |
| CERT | 4016 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.99B |
| Total Deposits | $1.58B |
| Total Liabilities | $1.80B |
| Total Equity Capital | $187.16M |
| Net Income | $5.49M |
| Net Loans and Leases | $1.45B |
| Assets Per Employee ($Millions) | $7.65M |
| Bank Premises and Fixed Assets | $39.75M |
| Cash and Balances due from Depository Institutions | $46.73M |
| Deposits Held in Domestic Offices | $1.58B |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 11.97% |
| Net Interest Margin | 3.38% |
| Efficiency Ratio | 64.37% |
| Tier 1 Risk-Based Capital Ratio | 14.174% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.411% |
| Earning Assets to total Assets | 92.79% |
Income and Expense
| Total Interest Income | $25.05M |
| Total Noninterest Income | $5.27M |
| Total Interest Expense | $9.46M |
| Total Noninterest Expense | $13.43M |
| Net Interest Income | $15.60M |
| Pre-tax Net Operating Income | $7.13M |
| Provision for Credit Losses | $300.00k |
| 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 | $180.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.08M |
| All Other Liabilities | $39.52M |
| Total Liabilities and Capital | $1.99B |
Securities
| Securities | $376.37M |
| Available-for-sale debt securities | $374.48M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.89M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank in Sioux Falls?
$1.99B as of the latest filing.
How much are The First National Bank in Sioux Falls's total deposits?
$1.58B in total deposits.
Where is The First National Bank in Sioux Falls located?
Sioux Falls, SD.
What is the Net Interest Margin?
3.38%.
How many domestic offices does it operate?
18.
When was it established?
09/08/1885.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$1.45B (latest filing).
What is the total interest income (latest filing)?
$25.05M.