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First National Bank

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First National Bank Rates & Review September 2026

Q: How many branches does First National Bank operate?

First National Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First National Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First National Bank, and you can see how they compare in the First National Bank rate tables below. MonitorBankRates evaluates the financial stability of First National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.42%. Database rates last updated and verified on 09/23/2026.

First National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank? Share your experience about First National Bank by leaving a review below, or read customer reviews before you decide to use First National Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.42%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First National Bank

141 E Main St
Oldham, SD 57051

https://www.firstnationalbanks.com

Current Rate Availability

We're not currently displaying rates for First National Bank, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

First National Bank’s Texas Ratio rose from 6.85% in Q3 2023 to 9.42% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$478M	9.42%	5.0	A
March 31, 2026	$484M	9.96%	5.0	A
December 31, 2025	$462M	12.14%	5.0	A
September 30, 2025	$452M	14.19%	5.0	A-
June 30, 2025	$449M	13.50%	5.0	A
March 31, 2025	$460M	8.15%	5.0	A
December 31, 2024	$452M	7.96%	5.0	A
September 30, 2024	$445M	8.00%	5.0	A
June 30, 2024	$446M	5.37%	5.0	A+
March 31, 2024	$448M	5.44%	5.0	A+
December 31, 2023	$441M	6.29%	5.0	A
September 30, 2023	$418M	6.85%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank

Bank Holding Company FULDA BCORP INC

Address 141 E Main St, Oldham, SD 57051 · Kingsbury

Website https://www.firstnationalbanks.com

FDIC Certificate # 25894

Established 19850215

FDIC Insurance Date 19850215

Domestic Offices 12

Total Branches 14

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1770%

Return on Equity (ROE) 12.8200%

Non-Performing Loans (NPL) 1.55%

Total Assets $477,821,000

Total Deposits $380,137,000

Equity Capital $86,540,000

Net Income $5,169,000

Headquarters Oldham

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/first-national-bank-rates-review-25894">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First National Bank

How many branches does First National Bank operate?

First National Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank offer online and mobile banking?

Most modern institutions like First National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstnationalbanks.com.