Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #1673 · Dakota Dunes, South Dakota · Est. 1910
1st Financial Bank USA - FDIC Bank Health Profile
A community-scale look at 1st Financial Bank USA's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- A
- Health grade · Excellent
- 1.19%
- Return on assets
- 21.0%
- Tier 1 capital
Data updated July 2026
The verdict
1st Financial Bank USA earns a PlainBankData health grade of A (80/100), with well-capitalized at 21.00% Tier 1, profitable at 1.19% ROA, 76% efficiency ratio.
- #816
- largest of 4,313 FDIC banks by assets
- 81st
- percentile by asset size, nationally
- 21.00%
- Tier 1 ratio - above the 10% well-capitalized line
- 57th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How 1st Financial Bank USA's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
1st Financial Bank USA's composite health score
Tier 1 Capital Ratio (21.00%) 40/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (6.01%) 16/20
Efficiency Ratio (75.56%) 4/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.0B
Customer-funded liabilities
Net Loans
$947M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where 1st Financial Bank USA ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Financial Bank USA's score of 80/100 falls in the highlighted band.
1st Financial Bank USA's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Financial Bank USA's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.00%
Texas Ratio
6.01%
Equity Capital
$226M
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
7.08%
Efficiency Ratio
75.56%
What the numbers say about 1st Financial Bank USA
1st Financial Bank USA is an FDIC-insured institution (Certificate #1673) headquartered in Dakota Dunes, South Dakota, established in 1910. It holds $1.4B in total assets - 816th of 4,313 FDIC-insured banks, $1.0B in customer deposits, and $947M in net loans. Looking at capital strength, Tier 1 stands at 21.00%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.01%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Dakota, 1st Financial Bank USA ranks 16th of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$157M
Interest Income
$51M
Non-Interest Income
$124M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Financial Bank USA reports a Texas Ratio of 6.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Financial Bank USA (FDIC Cert #1673) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is 1st Financial Bank USA's health grade?▼
1st Financial Bank USA receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is 1st Financial Bank USA?▼
1st Financial Bank USA holds $1.4B in total assets and $1.0B in deposits, ranking 816th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dakota Dunes, South Dakota.
Is my money safe at 1st Financial Bank USA?▼
Yes, deposits at 1st Financial Bank USA (Certificate #1673) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is 1st Financial Bank USA's Tier 1 Capital Ratio?▼
1st Financial Bank USA has a Tier 1 Capital Ratio of 21.00%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for 1st Financial Bank USA?▼
1st Financial Bank USA has a Texas Ratio of 6.01%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is 1st Financial Bank USA?▼
1st Financial Bank USA has an Efficiency Ratio of 75.56%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read 1st Financial Bank USA's profile as a depositor or analyst.
- 1st Financial Bank USA's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare 1st Financial Bank USA against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.