First National Bank in Sioux Falls

First National Bank in Sioux Falls Locations

100 South Phillips Avenue
Sioux Falls, SD 57104
605-335-5200
www.fnbsf.com

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Since 1885 they have been helping people in Sioux Falls. Whether it's buying a first home or preparing for retirement, they've been there. You've changed over time, and they've continued to help you along the way. Their experience as one of the oldest and largest independent financial institutions in South Dakota assures you the professional advice and trust that has met the test of time.

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See Rates for: Checking | Savings | Money Market | CD | IRA

First National Bank in Sioux Falls Checking Account Rates

Apy	Min	Max	Product
0.20%	$75k	-	First Premium Money Market
0.01%	$1k	-	Eagle Checking
0.01%	$1k	-	RelationshipFirst

First National Bank in Sioux Falls Savings Account Rates

Apy	Min	Max	Product
1.00%	-	$500	Learning to Fly
0.35%	$50k	-	SavingsFirst
0.25%	$5k	-	Health Savings Account
0.05%	-	-	Savings IRA
0.05%	-	-	Regular Savings

First National Bank in Sioux Falls Money Market Rates

	Apy	Min	Max	Product
	0.35%	$500k	-	Enhanced Yield Money Market

First National Bank in Sioux Falls CD Rates

Apy	Min	Max	Product
1.26%	$25k	-	60 Month Renewable CD
1.26%	$25k	-	72 Month Renewable CD
1.26%	$25k	-	84 Month Renewable CD
0.96%	$25k	-	48 Month Renewable CD
0.76%	$25k	-	36 Month Renewable CD
0.56%	$25k	-	730 - 999 Days Renewable CD
0.42%	$25k	-	365 - 729 Days Renewable CD
0.28%	$25k	-	182 - 364 Days Renewable CD
0.25%	$100k	-	1 - 30 Days Non-Renewable CD
0.18%	$25k	-	91 - 181 Days Renewable CD
0.10%	$1k	-	30 - 90 Days Renewable CD

First National Bank in Sioux Falls IRA Rates

Apy	Min	Max	Product
1.26%	$25k	-	60 Month Renewable IRA
1.26%	$25k	-	72 Month Renewable IRA
1.26%	$25k	-	84 Month Renewable IRA
0.96%	$25k	-	48 Month Renewable IRA
0.76%	$25k	-	36 Month Renewable IRA
0.56%	$25k	-	730 - 999 Days Renewable IRA
0.42%	$25k	-	365 - 729 Days Renewable IRA
0.28%	$25k	-	182 - 364 Days Renewable IRA
0.18%	$25k	-	91 - 181 Days Renewable IRA
0.10%	$1k	-	30 - 90 Days Renewable IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The First National Bank in Sioux Falls
FDIC Certificate #	4016
BankRate Report	View
Year Established	1885
Employees	250
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.02 billion
Loans	$543.74 million
Deposits	$716.24 million
Equity Capital	$135.75 million
Loan Loss Allowance	$15.54 million
Unbacked Noncurrent Loans	$18.82 million
Real Estate Owned	$1.08 million
Historic Data - September 2010
Assets	$1.08 billion
Equity Capital	$130.04 million
Loan Loss Allowance	$15.61 million
Unbacked Noncurrent Loans	$30.00 million
Real Estate Owned	$840,000
Profit Margin - Quarterly
Net Interest Margin	3.06%
Return on Assets	0.72%
Return on Equity	5.74%
Interest Income	$31.76 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First National Bank in Sioux Falls had $19.9 million in non-current loans and owned real-estate with $151.29 million in equity and loan loss allowances on hand to cover it. This gives First National Bank in Sioux Falls a Texas Ratio of 13.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First National Bank in Sioux Falls decreased slightly from 21.18% as of September 30, 2010 to 13.15% as of September 30, 2011, resulting in a positive change of 37.88%.This indicates that the balance sheet and financial strength for First National Bank in Sioux Falls has improved slightly in recent periods.
Deposit Growth
In the past year, First National Bank in Sioux Falls has decreased its total deposits by -$46.48 million, resulting in -6.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank in Sioux Falls has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank in Sioux Falls has $1.02 billion in assets with $151.29 million in equity, resulting in a capitalization level of 14.88%, which is excellent.

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