🏦Bank Scorer

FIRST DAKOTA NATIONAL BANK

YANKTON, SD · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1872FDIC #4,028
Outstanding Up

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.49%

Institution Profile

FDIC BankFind

Address

225 Cedar St, YANKTON, SD

County

Yankton County

Established

December 7, 1872

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 23, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$3.0B

Net Loans

$2.8B

Net Income

$12M

ROA

1.49%

ROE

15.54%

Risk-Based Capital

12.10%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.93%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$2.7B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202470880.93%5.93%
202370382.08%5.69%
202299582.61%4.52%
20211,73383.5%4.39%
20202,32788.53%3.70%
20191,05783.44%5.77%
201885784.71%4.90%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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