First National Bank is a bank based in Oldham, South Dakota, established in 1985, with $484 million in total assets across 12 branches. By Trust Grade it ranks 13th of 56 banks we track in South Dakota. Its capital ratio of 17.5% is stronger than 95% of similarly sized banks, versus a South Dakota median of 10.4%. It was profitable over the most recent period, with a 2.26% return on assets. No consumer complaints against First National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank compares to South Dakota peers
How we graded First National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.5% capital ratio)
- Strongly profitable (ROA 2.26%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 200 E Main St, Ramona, SD 57054
- 4500 E 53rd St, Davenport, IA 52807
- 13605 27th Ave N, Plymouth, MN 55441
- 141 E Main St, Oldham, SD 57051
- 1400 N Frontage Rd, Hastings, MN 55033
- 406 Main St, Lakefield, MN 56150
- 208 N Broadway St, Spring Valley, MN 55975
- 109 W Main St, Le Roy, MN 55951
- 400 7th St, Fulda, MN 56131
- 109 N St Paul Ave, Fulda, MN 56131
- 3465 Avenue Of The Cities, Moline, IL 61265
- 2457 Broadway Ave, Slayton, MN 56172
Are deposits at First National Bank insured?
Yes. First National Bank is an FDIC-insured bank (FDIC certificate #25894). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank: frequently asked questions
Is First National Bank a good bank?
First National Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.5% capital ratio); Strongly profitable (ROA 2.26%).
Is First National Bank FDIC-insured?
Yes. First National Bank is a FDIC-insured bank (FDIC certificate #25894). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank?
First National Bank holds $484 million in total assets, ranking 13th of 56 banks we track in South Dakota. It operates 12 branches.
Does First National Bank have CFPB complaints?
No CFPB complaints against First National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
