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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Philip, SD · FDIC certificate #3999
FIRST NB IN PHILIP is an FDIC-insured institution based in Philip, SD (FDIC certificate #3999). In its Q3 2026 Call Report it reported total assets of $453M, total deposits of $397M and net loans of $280M. Its primary federal regulator is OCC.
Reported facts
Deterministic ratios for FIRST NB IN PHILIP from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $397M |
|---|---|
| Net loans and leases | $280M |
Plain-language readout
FIRST NB IN PHILIP in Philip, SD funds its loans with $397M of deposits and holds $280M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST NB IN PHILIP in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 70.40% in Q3 2026, against 65.95% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $280M | $397M | 70.40% |
| Q2 2026 | $277M | $401M | 69.22% |
| Q1 2026 | $270M | $409M | 65.95% |