First National Bank in Philip

Overview / Commentary

www.fnbphilip.com

605-859-2525

103 E Oak Street
Philip, SD 57567

First National Bank in Philip is headquartered in Philip and is the 26^th largest bank in the state of South Dakota. It is also the 2,263^rd largest bank in the nation. It was established in 1906 and as of December of 2019, it had grown to 31 employees at 2 locations. First National Bank in Philip's money market rates are 82% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	3999
Year Established	1906
Employees	31
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.7%
Return on Equity - YTD	12.73%
Annual Interest Income	$13.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$291.1MM$269.1MM
Loans	Q4 2019vs Q4 2018	$187.3MM$189.1MM
Deposits	Q4 2019vs Q4 2018	$249.0MM$230.3MM
Equity Capital	Q4 2019vs Q4 2018	$37.5MM$34.7MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$3.5MM$3.1MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$118.00K$52.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank in Philip Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$5	-	IRA Open Account
0.75%	$5	-	Health Savings NOW Checking
0.25%	$25	-	Regular Savings
0.25%	$25	-	Business Regular Savings

First National Bank in Philip Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$200k^*	-	Cash Management Account
OTHER TIERS: 0.25% → Up to $2.5k \| 0.36% → $2.5k - $25k \| 0.47% → $25k - $50k \| 0.58% → $50k - $100k \| 0.69% → $100k - $200k

First National Bank in Philip Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$1.5k	-	NOW Checking
0.25%	$1.5k	-	Business NOW Checking

First National Bank in Philip CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%	$1k	-	4 Year CD
1.40%	$1k	-	Business 4 Year CD
1.21%	$1k	-	3 Year CD
1.21%	$1k	-	Business 3 Year CD
1.00%	$1k	-	2 Year CD
1.00%	$1k	-	Business 2 Year CD
0.90%	$1k	-	1 Year CD
0.90%	$1k	-	Business 1 Year CD
0.60%	$1k	-	6 Month CD
0.60%	$1k	-	Business 6 Month CD
0.50%	$1k	-	3 Month CD
0.50%	$1k	-	Business 3 Month CD

Locations

First National Bank in Philip Locations
First National Bank In Philip	103 E Oak	Philip, SD 57567
Faith Farmers Branch	127 Main Street	Faith, SD 57626

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