The First National Bank in Sioux Falls in Sioux Falls, SD

The First National Bank in Sioux Falls is a locally-owned, family-operated bank that has served South Dakota communities for over 140 years. Founded on principles that prioritize local relationships over corporate efficiency, the bank maintains deep roots in the Sioux Falls area and surrounding communities. The bank offers a comprehensive suite of financial products including personal checking and savings accounts, debit and credit cards, personal loans, mortgages, agricultural loans, and wealth management services.

They maintain 12 locations in Sioux Falls proper, with additional branches in Baltic, Brandon, Dell Rapids, Flandreau, and Harrisburg, plus a coming-soon location in Chamberlain. The bank also operates 77 Advantage ATMs across South Dakota. Current promotions include a $350 bonus for new consumer checking accounts opened by June 30, 2026.

What distinguishes FNB is its deliberate positioning as a local, relationship-focused alternative to national banks. Their website emphasizes community involvement, family business support, and specialized agricultural lending—areas where larger institutions typically provide less personalized service. The bank actively publishes educational content (like their "Common Cents on the Prairie" podcast) featuring local business owners and financial topics relevant to South Dakota residents.

As a regional bank with significant geographic concentration in South Dakota, FNB offers genuine local decision-making and community accountability. However, customers should expect fewer digital features and services than large national banks, and geographic reach is limited to South Dakota. The bank's strength lies in serving established residents and business owners in its service area rather than serving customers nationwide.