First National Bank in Philip

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 23^rd largest bank in the state of South Dakota. It is also the 2,008^th largest bank in the nation. It was established in 1906 and as of December of 2024, it had grown to 25 employees at 2 locations. First National Bank in Philip's money market rates are 8X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3999
Year Established	1906
Employees	25
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.79%
Return on Equity - YTD	16.31%
Annual Interest Income	$21.1MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$425.1MM$392.8MM
Loans	Q4 2024vs Q4 2023	$235.3MM$232.8MM
Deposits	Q4 2024vs Q4 2023	$376.1MM$347.2MM
Equity Capital	Q4 2024vs Q4 2023	$43.6MM$40.7MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$3.8MM$3.8MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$0$24K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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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
4.06%	$5	-	IRA Open Account
2.02%	$25	-	Regular Savings
2.02%	$25	-	Business Regular Savings
1.26%	$5	-	Health Savings NOW Checking

First National Bank in Philip Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.56%^*	$200k^*	-	Cash Management Account
OTHER TIERS: 2.02% → $0 - $2.5k \| 2.32% → $2.5k - $25k \| 2.63% → $25k - $50k \| 2.94% → $50k - $100k \| 3.25% → $100k - $200k

First National Bank in Philip Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$1.5k	-	NOW Checking
1.00%	$1.5k	-	Business NOW Checking

First National Bank in Philip CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.80%	$1k	-	3 Year CD
3.80%	$1k	-	Business 3 Year CD
3.75%	$1k	-	4 Year CD
3.75%	$1k	-	Business 4 Year CD
3.70%	$1k	-	2 Year CD
3.70%	$1k	-	Business 2 Year CD
3.60%	$1k	-	1 Year CD
3.60%	$1k	-	Business 1 Year CD
3.53%	$1k	-	6 Month CD
3.53%	$1k	-	Business 6 Month CD
3.44%	$1k	-	3 Month CD
3.44%	$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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