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First Dakota National Bank
Yankton, SD·FDIC Cert #4028·Charter: OCC·Est. 18721207.0·HC: FIRST DAKOTA FINANCIAL CORP
Total Assets
$3.2B
Q4 2025
Return on Assets
1.38%
+0.06%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.05%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.38%+0.06
ROE
14.60%+0.58
Efficiency
58.05%+0.61
Equity/Assets
0.00%+0.00
NPL Ratio
0.37%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.48%+1.39
Charge-offs
0.03%+0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.1 | 1.2 | 1.3 | 1.3 | 1.4 |
| ROE | 11.3 | 12.1 | 11.9 | 12.7 | 12.6 | 13.5 | 14.0 | 14.6 |
| Efficiency | 66.9 | 64.0 | 63.7 | 62.6 | 57.4 | 56.9 | 57.4 | 58.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.7 | 0.4 | 0.5 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 85.9 | 89.6 | 88.9 | 90.9 | 90.1 | 92.6 | 94.1 | 95.5 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.8B
Total Loans$2.7B
Total Equity$307.9M
Profitability
ROA1.38%
ROE14.60%
Efficiency Ratio58.05%
Net Income$42.4M
Risk & Asset Quality
NPL Ratio0.37%
Charge-off Rate0.03%
Loan/Deposit95.48%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans