🏦Bank Scorer

FIRST NATIONAL BANK IN PHILIP

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

Est. 1906FDIC #3,999
Outstanding Same

Current rating · Exam: July 2025

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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 2.27%

Institution Profile

FDIC BankFind

Address

103 E Oak Street, PHILIP, SD

County

Haakon County

Established

December 4, 1906

Total Assets

$466M(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

July 7, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$466M

Total Deposits

$409M

Net Loans

$270M

Net Income

$3M

ROA

2.27%

ROE

21.59%

Risk-Based Capital

16.77%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$353M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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