$466M
+10.1%y/y
Percentile by value42nd percentileby value
FDIC
ASSETFB
First National Bank in Philip
Philip, South DakotaFDIC Cert #3999
OCCEstablished 19062 branches
Holding company: PHILIP BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst National Bank in Philip reported $466M in total assets. Deposits grew 9.76% over the prior year.
Return on assets was 2.27%, compared with an asset-peer median of 1.22%. The leverage ratio was 11.67%.
- Why is Efficiency Ratio below asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$409M
+9.8%y/y
Percentile by value45th percentileby value
FDIC
DEP$270M
+14.9%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET2.27%
+59 bpsy/y
Peer standing92nd percentile
FDIC
NETINC + ROA31.87%
−1,333 bpsy/y
Peer standing98th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.67%
−33 bpsy/y
Peer standing66th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $334M | $288M |
| Q3 2021 | $338M | $293M |
| Q4 2021 | $361M | $314M |
| Q1 2022 | $353M | $311M |
| Q2 2022 | $354M | $314M |
| Q3 2022 | $359M | $323M |
| Q4 2022 | $391M | $351M |
| Q1 2023 | $365M | $324M |
| Q2 2023 | $359M | $318M |
| Q3 2023 | $350M | $308M |
| Q4 2023 | $393M | $347M |
| Q1 2024 | $362M | $317M |
| Q2 2024 | $360M | $315M |
| Q3 2024 | $372M | $323M |
| Q4 2024 | $425M | $376M |
| Q1 2025 | $423M | $373M |
| Q2 2025 | $405M | $353M |
| Q3 2025 | $402M | $348M |
| Q4 2025 | $504M | $446M |
| Q1 2026 | $466M | $409M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $400K |
| Investor CRE | $21.9M |
| Multifamily | $6.44M |
| Construction | $17.7M |
| 1–4 family | $2.13M |
| C&I | $27.1M |
| Agriculture | $190M |
| Other | $7.52M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.27%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE21.59%92nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.43%27th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.87%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+9.76%81st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+14.92%86th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.67%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.65%39th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC78%21st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.27%82nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 1.35%90th 2.58%Observations 58
ROE
FDIC
NETINC + ROE21.59%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.83%Median 13.03%90th 24.66%Observations 58
NIM
FDIC
NIM + NIMY3.43%30th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.74%90th 6.06%Observations 58
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.87%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.47%Median 59.23%90th 81.90%Observations 58
Deposits YoY
FDIC
DEP+9.76%80th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.68%Median +5.29%90th +11.82%Observations 56
Loans YoY
FDIC
LNLSNET+14.92%89th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +7.39%90th +15.05%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 1.43%Observations 56
Leverage
FDIC
RBC1AAJ11.67%60th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.52%Median 11.01%90th 17.74%Observations 58
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.65%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.39%90th 3.95%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC78%61st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 1%Median 60%90th 215%Observations 39
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.27%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.25%90th 2.21%Observations 12
ROE
FDIC
NETINC + ROE21.59%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.58%Median 13.55%90th 18.70%Observations 12
NIM
FDIC
NIM + NIMY3.43%36th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.60%90th 4.22%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.87%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.40%Median 58.51%90th 78.35%Observations 12
Deposits YoY
FDIC
DEP+9.76%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.08%Median +4.47%90th +9.59%Observations 12
Loans YoY
FDIC
LNLSNET+14.92%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.00%Median +6.50%90th +15.16%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.12%90th 0.75%Observations 12
Leverage
FDIC
RBC1AAJ11.67%82nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.41%Median 10.04%90th 11.84%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.65%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.98%Median 2.80%90th 3.18%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC78%33rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 103%90th 252%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Philip, SD
FDIC
OFFDOMOpen the South Dakota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data