FDIC certificate 25894
First National Bank
Oldham, South Dakota · 141 E Main St 57051
Hunter Score
This bank ranks above the middle of its size group.
Down 2 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
First National Bank has a Hunter Score of 69 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks above the middle of its size group. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported net interest margin of 8.18% (field NIMY). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 100 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 2.01% (field NCLNLSR). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 12 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in South Dakota with $300 million to $1 billion in assets, ordered by Hunter Score.
- First National Bank in Philip79out of 100
- Black Hills Community Bank, N.A.72out of 100
- First Fidelity Bank72out of 100
- Rivers Edge Bank67out of 100
- BankStar Financial66out of 100
Top Hunter Scores in South Dakota · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
12.82%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 52 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
2.18%
Profit for each dollar of assets. Higher is stronger.
Peer rank 90 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
8.18%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 100 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
45.73%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 89 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
2.01%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 12 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202669 out of 100
- Q1 2026, ending March 31, 202671 out of 100
- Q4 2025, ending December 31, 202572 out of 100
- Q3 2025, ending September 30, 202573 out of 100
- Q2 2025, ending June 30, 202574 out of 100
Download these quarters with Pro
Mergers in the FDIC history file
- 2026-08-03: Absorbtion - Without Assistance. First State Bank of Fountain and First National Bank.
- 2026-08-03: Merger -Without Assistance. Root River State Bank and First National Bank.
Older quarters
Pro will include every quarter we have loaded. This release shows the latest five quarters for every bank, free.
About this bank
- Total assets
- $477.8 million
- Deposits
- $380.1 million
- Equity
- $86.5 million
- Tangible equity
- $85.7 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 14
- Charter
- National bank
- Specialty
- Agricultural Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $5.2 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Fulda Bcorp Inc, Britton, SD. Federal Reserve RSSD 1133567.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
141 E Main St, Oldham, SD 57051
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.