First Dakota National Bank (FDIC #4028): Bank Stress & Real-Estate Credit Exposure

First Dakota National Bank (FDIC Cert #4028): bank stress 58/100, moderate, STABLE over 7 days; parent FIRST DAKOTA FINANCIAL CORP.

First Dakota National Bank (#4028) lends in 11 counties across 1 state; First Dakota National Bank (#4028) reaches 91 ZIP codes: South Dakota 11 counties, 91 ZIPs.

First Dakota National Bank (#4028) largest markets: Minnehaha County, SD (69 branches, 23 ZIPs) (#4028), Hutchinson County, SD (14 branches, 14 ZIPs) (#4028), Lincoln County, SD (24 branches, 12 ZIPs) (#4028), Mccook County, SD (12 branches, 12 ZIPs) (#4028), Yankton County, SD (20 branches, 10 ZIPs) (#4028), Charles Mix County, SD (10 branches, 10 ZIPs) (#4028).

First Dakota National Bank (#4028) reports $3.39 billion in total assets; First Dakota National Bank (#4028) equity $333.0 million (9.8% of First Dakota National Bank (#4028) assets); First Dakota National Bank (#4028) domestic deposits $2.96 billion; First Dakota National Bank (#4028) net income $27.8 million; First Dakota National Bank (#4028) return on assets 1.68%; First Dakota National Bank (#4028) return on equity 17.36%; First Dakota National Bank (#4028) net interest income $62.4 million; First Dakota National Bank (#4028) call report June 30, 2026.

First Dakota National Bank (#4028) noncurrent real-estate loans: none reported; First Dakota National Bank (#4028) net charge-offs on real estate 0.37%; First Dakota National Bank (#4028) residential charge-offs 0.57%.

First Dakota National Bank (#4028) net interest margin 4.03% against an eight-quarter First Dakota National Bank (#4028) average of 3.65% (First Dakota National Bank (#4028) compression -0.38 points); First Dakota National Bank (#4028) non-residential real estate 57.1% of equity; First Dakota National Bank (#4028) rate-exposure score 40/100, First Dakota National Bank (#4028) fixed-rate trap 40/100; First Dakota National Bank (#4028) risk type credit driven; First Dakota National Bank (#4028) rate regime rates elevated, First Dakota National Bank (#4028) snapshot October 20, 2026.

First Dakota National Bank (#4028) stress score moved from 60.5 on June 22, 2026 to 57.6 on October 20, 2026; First Dakota National Bank (#4028) ranged 57.6 to 60.5 over 117 snapshots.

First Dakota National Bank (#4028) alerts: 10 counties; top First Dakota National Bank (#4028) alert scores: Yankton County, SD 42 (moderate); Elk Point County, SD 20 (low); Kimball County, SD 20 (low); Mitchell County, SD 20 (low); Parkston County, SD 20 (low).