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First National Bank

Oldham, South DakotaFDIC Cert #25894

OCCEstablished 198512 branches

Holding company: FULDA BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.95%
−68.3%y/y
Peer standing29th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
2.12%
+64.5%y/y
Peer standing9th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
2.12%
+64.5%y/y
Peer standing10th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.74%
+56.6%y/y
Peer standing9th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$8.44M
+64.9%y/y
Peer standing11th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
5.01%
−26.2%y/y
Peer standing0th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$4.47M
−25.2%y/y
Peer standing0th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
6.47%
−16.4%y/y
Percentile by value100th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$3.43M
−68.0%y/y
Peer standing27th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$7.68M
+65.9%y/y
Peer standing9th percentile
Peer standing in asset:300m_1b
FDICNAASSET