Bank · FDIC insured
The First National Bank in Sioux Falls
A $2.1B bank headquartered in Sioux Falls, SD, with 19 branches in South Dakota. Best rates: CDs 4.01% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs834.01%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The First National Bank in Sioux Falls
Founded in 1885, The First National Bank in Sioux Falls is a family-owned, locally owned independent community bank headquartered in Sioux Falls, South Dakota.
The bank operates 18 branches across Sioux Falls and the upper Midwest, with its Downtown facility constructed at 9th and Phillips in 1976.
- Headquarters
- 100 S Phillips Ave, Sioux Falls, SD 57104
- FDIC certificate
- 4016 ↗
Branches
19 branches in South Dakota
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South Dakota
19 branches
Sioux Falls area · 17
- The First National Bank in Sioux FallsMain office100 S Phillips Ave, Sioux Falls, SD 57104Directions
- Baltic Branch202 St Olaf Ave, Baltic, SD 57003Directions
- Bethany Meadows Branch3008 E Aspen Blvd, Brandon, SD 57005Directions
- Brandon Branch101 S Splitrock Blvd, Brandon, SD 57005Directions
- Dell Rapids Branch312 E 4th St, Dell Rapids, SD 57022Directions
- Harrisburg Branch408 N Cliff Ave, Harrisburg, SD 57032Directions
- 57th Street Branch401 W 57th St, Sioux Falls, SD 57108Directions
- Arrowhead Office Branch5201 E Arrowhead Pkwy, Sioux Falls, SD 57110Directions
- Dow Rummel Branch1321 W Dow Rummel St, Sioux Falls, SD 57104Directions
- Prince Of Peace4500 S Prince Of Peace Pl, Sioux Falls, SD 57103Directions
- Sioux Falls - Benson Road Office Branch1901 E Benson Rd, Sioux Falls, SD 57104Directions
- South Louise Branch5217 S Louise Ave, Sioux Falls, SD 57108Directions
- Grand Living2815 S Westlake Dr, Sioux Falls, SD 57106Directions
- Trail Ridge Branch3408 W Ralph Rogers Rd, Sioux Falls, SD 57108Directions
- Waterford Branch111 W 17th St, Sioux Falls, SD 57104Directions
- Western Mall Branch2505 W 41st St, Sioux Falls, SD 57105Directions
- Westport Branch4000 S Westport Ave, Sioux Falls, SD 57106Directions
Chamberlain area · 1
- Chamberlain Branch108 Paul Gust Rd, Chamberlain, SD 57325Directions
Flandreau area · 1
- Farmers State Bank Branch120 E 2nd Ave, Flandreau, SD 57028Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.34% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.41% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.15% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio10.34%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.15%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The First National Bank in Sioux Falls are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.