Total Assets
$477.8M
Total Deposits
$380.1M
Branches
12
Established
1985
First National Bank is a bank headquartered in Oldham, South Dakota, established in 1985. It holds $477.8M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First National Bank earns a TFS Financial Health Grade of B+ (84.6/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
84.6 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First National BankHQ | 141 E Main St | Oldham | SD | 11 |
| First National Bank | 4500 E 53rd St | Davenport | IA | 11 |
| First National Bank | 3465 Avenue Of The Cities | Moline | IL | 11 |
| First National Bank | 109 N St Paul Ave | Fulda | MN | 11 |
| First National Bank | 400 7th St | Fulda | MN | 29 |
| First National Bank | 1400 N Frontage Rd | Hastings | MN | 11 |
| First National Bank | 406 Main St | Lakefield | MN | 11 |
| First National Bank | 109 W Main St | Le Roy | MN | 11 |
| First National Bank | 13605 27th Ave N | Plymouth | MN | 11 |
| First National Bank | 2457 Broadway Ave | Slayton | MN | 11 |
| First National Bank | 208 N Broadway St | Spring Valley | MN | 11 |
| First National Bank | 200 E Main St | Ramona | SD | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
84.6
Tier 1 capital ratio
18.41%
Return on assets
2.18%
Non-performing loans
2.01%
Efficiency ratio
45.73%
Asset growth (YoY)
6.31%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.