C
First National Bank
OldhamSD
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First National Bank
Oldham, SD
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Rating C
Asset Quality Index 4.30
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 7.90
Stability Index 3.70
Company Info First National Bank
Oldham, SD
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FDIC Number 25894
Phone Number (605) 482-8293
Website www.firstnationalbanks.bank
Asset Quality First National Bank
Oldham, SD
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1-Year Asset Growth 0.83%
5-Year Asset Growth 7.90%
5-Year Charge-Offs to Average Loans 5.30%
Charge-Offs to Average Loans 7.00%
Non-Performing Assets to Assets 2.38%
Non-Performing Loans to Capital 9.80%
Non-Performing Loans to Loans 2.89%
Balance Sheet First National Bank
Oldham, SD
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Total Assets 449.45M
Total Deposits 374.79M
Capital and Reserves First National Bank
Oldham, SD
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Capital 65.14M
Leverage Ratio 15.07
Loan Loss Reserves to Loans 7.17%
Risk-Based Capital Ratio 19.74
Liquidity First National Bank
Oldham, SD
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Hot Money Ratio 21.95%
Liquidity Ratio 10.82%
Profitability First National Bank
Oldham, SD
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5-Year Return on Average Assets 1.46%
Net Income 5.00M
Net Interest Spread 8.11%
Operating Profit to Average Assets 2.51%
Overhead Efficiency Ratio 41.60%
Return on Assets 2.14%
Return on Equity 16.00%