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THE FIRST NATIONAL BANK IN SIOUX FALLS

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

Est. 1885FDIC #4,016
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 1.08%

Institution Profile

FDIC BankFind

Address

100 S Phillips Ave, SIOUX FALLS, SD

County

Minnehaha County

Established

September 8, 1885

Total Assets

$2.1B(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

Large 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

$2.1B

Total Deposits

$1.8B

Net Loans

$1.5B

Net Income

$6M

ROA

1.08%

ROE

11.77%

Risk-Based Capital

15.25%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate3.24%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

18

Branch Deposits

$1.6B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202421686.57%3.24%
202321883.49%3.67%
202235886.87%1.68%
202154790.13%0.73%
202077090.39%0.65%
201941283.25%2.18%
201833179.15%2.72%

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 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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