$362M
+0.9%y/y
Percentile by value54th percentileby value
FDIC
LNLSGRFB
First National Bank
Oldham, South DakotaFDIC Cert #25894
OCCEstablished 198512 branches
Holding company: FULDA BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $24.2M |
| Investor CRE | $69.5M |
| Multifamily | $37.6M |
| Construction | $6.92M |
| 1–4 family | $39.3M |
| C&I | $19.1M |
| Agriculture | $98.1M |
| Other | $67.6M |
Loan book
Reported balances and balance-sheet intensity.
$339M
+2.3%y/y
Percentile by value50th percentileby value
FDIC
LNLSNET+2.27%
−64.8%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET87.2%
+1.7%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET + DEP70.0%
−2.9%y/y
Percentile by value52nd percentileby value
FDIC
LNLSNET + ASSET63.50%
+0.3%y/y
Percentile by value12th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
122%
−20.5%y/y
Percentile by value36th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC7%
−72.2%y/y
Percentile by value12th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,311points
+0.9%y/y
Peer standing98th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD6.67%
−28.1%y/y
Percentile by value23rd percentileby value
FDIC
LNRENROW + LNLSGR19.19%
+2.5%y/y
Percentile by value69th percentileby value
FDIC
LNRENROT + LNLSGR5.28%
+21.2%y/y
Percentile by value22nd percentileby value
FDIC
LNCI + LNLSGR