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First National Bank in Sioux Falls

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First National Bank in Sioux Falls Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank in Sioux Falls 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: August 30, 2026

First National Bank in Sioux Falls 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 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not First National Bank in Sioux Falls, and you can see how they compare in the First National Bank in Sioux Falls rate tables below. MonitorBankRates evaluates the financial stability of First National Bank in Sioux Falls with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.80%. Database rates last updated and verified on 08/30/2026.

First National Bank in Sioux Falls 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 in Sioux Falls? Share your experience about First National Bank in Sioux Falls by leaving a review below, or read customer reviews before you decide to use First National Bank in Sioux Falls.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.80%

Excellent Higher than avg

The First National Bank in Sioux Falls

100 S Phillips Ave
Sioux Falls, SD 57104

https://www.fnbsf.com

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank in Sioux Falls 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 in Sioux Falls 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 in Sioux Falls's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank in Sioux Falls

Bank Holding Company MINNEHAHA BANSHARES INC

Address 100 S Phillips Ave, Sioux Falls, SD 57104 · Minnehaha

Website https://www.fnbsf.com

FDIC Certificate # 4016

Established 09/08/1885

FDIC Insurance Date 01/01/1934

Domestic Offices 18

Total Branches 18

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.80%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6415%

Return on Equity (ROE) 7.3700%

Non-Performing Loans (NPL) 0.48%

Total Assets $2,088,099,000

Total Deposits $1,702,657,000

Equity Capital $193,377,000

Net Income $20,481,000

Headquarters Sioux Falls

Total Branches and Offices 18

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First National Bank in Sioux Falls

How many branches does First National Bank in Sioux Falls operate?

First National Bank in Sioux Falls currently maintains approximately 18 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 in Sioux Falls 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 in Sioux Falls provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank in Sioux Falls offer online and mobile banking?

Most modern institutions like First National Bank in Sioux Falls 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.fnbsf.com.