$274M
+14.7%y/y
Percentile by value31st percentileby value
FDIC
LNLSGRFB
First National Bank in Philip
Philip, South DakotaFDIC Cert #3999
OCCEstablished 19062 branches
Holding company: PHILIP BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $400K |
| Investor CRE | $21.9M |
| Multifamily | $6.44M |
| Construction | $17.7M |
| 1–4 family | $2.13M |
| C&I | $27.1M |
| Agriculture | $190M |
| Other | $7.52M |
Loan book
Reported balances and balance-sheet intensity.
$270M
+14.9%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET+14.92%
+355.8%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET66.0%
+4.7%y/y
Percentile by value21st percentileby value
FDIC
LNLSNET + DEP57.9%
+4.4%y/y
Percentile by value23rd percentileby value
FDIC
LNLSNET + ASSET40.33%
−0.8%y/y
Percentile by value2nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
78%
+2.8%y/y
Percentile by value21st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC30%
+53.3%y/y
Percentile by value42nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,932points
+1.9%y/y
Peer standing21st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD0.15%
−21.1%y/y
Percentile by value3rd percentileby value
FDIC
LNRENROW + LNLSGR8.00%
−11.7%y/y
Percentile by value28th percentileby value
FDIC
LNRENROT + LNLSGR9.89%
−5.5%y/y
Percentile by value54th percentileby value
FDIC
LNCI + LNLSGR