The First National Bank of Frederick
Total assets
$28.8M
▲ +1.2% YoY
Deposits
$25.5M
▲ +0.6% YoY
Loans
$4.1M
▼ -21.6% YoY
Offices
1
ROA (annualized)
0.29%
peers 0.99%
ROE (annualized)
2.51%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +3.0% | -1.8 pts |
| Deposit growth (YoY) | +0.6% | +2.5% | -1.9 pts |
| Loan growth (YoY) | -21.6% | +2.6% | -24.2 pts |
| ROA | 0.29% | 0.99% | -0.7 pts |
| ROE | 2.5% | 8.1% | -5.6 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Agricultural Specialization
- Address
- 314 Main St, Frederick, SD, 57441
- County
- Brown
- Metro area
- Aberdeen, SD
- Offices
- 1
- FDIC cert #
- 3985
- RSSD ID
- 288152
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.8M | $25.5M | $4.1M | $3.2M | $41K | 0.29% | 2.40% | 0.00% |
| Q1 2026 | $28.6M | $25.1M | $3.6M | $3.3M | $13K | 0.19% | 2.43% | 0.00% |
| Q4 2025 | $26.2M | $22.6M | $7.8M | $3.3M | $95K | 0.33% | 2.39% | 0.05% |
| Q3 2025 | $26.0M | $22.6M | $5.4M | $3.2M | $80K | 0.36% | 2.37% | 0.00% |
| Q2 2025 | $28.5M | $25.3M | $5.3M | $3.0M | $53K | 0.35% | 2.35% | 0.00% |
| Q1 2025 | $30.9M | $27.8M | $4.6M | $2.9M | $22K | 0.28% | 2.18% | 0.00% |
| Q4 2024 | $32.5M | $29.5M | $9.2M | $2.8M | $165K | 0.51% | 2.41% | 0.00% |
| Q3 2024 | $30.0M | $26.8M | $6.1M | $3.0M | $107K | 0.45% | 2.29% | 0.00% |
Loan mix (Q2 2026): real estate $1.1M · commercial $816K · consumer $62K · securities $14.3M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.99% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 8.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.88% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 70.8% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- State Bank of Eagle ButteEagle Butte, SD · $80.3M
- Farmers State Bank of CantonCanton, SD · $81.6M
- Western Dakota BankTimber Lake, SD · $85.6M
- West Valley National BankGoodyear, AZ · $74.3M
- Fidelity Personal Trust Company, FSBMerrimack, NH · $74.6M
- Bonanza Valley State BankBrooten, MN · $74.8M
Selling to The First National Bank of Frederick?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.