Total Assets
$4.7B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
First Bank & Trust — FDIC Bank Health Profile
Brookings, South Dakota · Est. 1925. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #3973 Kansas City Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — First Bank & Trust
Total Deposits
$4.1B
Customer-funded liabilities
Net Loans
$3.4B
Outstanding loan book
Net Income
$48M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$529M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.02%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
9.39%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
63.28%
Income & Expense Breakdown
$252M
Interest Income
$44M
Non-Interest Income
$125M
Non-Interest Expense
FDIC Deposit Insurance
First Bank & Trust is FDIC-insured (Certificate #3973). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About First Bank & Trust
First Bank & Trust is an FDIC-insured institution (Certificate #3973) headquartered in Brookings, South Dakota, established in 1925. The bank currently holds $4.7B in total assets and $4.1B in customer deposits, with $3.4B deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, First Bank & Trust reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $529M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.02% and a Return on Equity of 9.39%, with an Efficiency Ratio of 63.28% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at First Bank & Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in South Dakota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data First Bank & Trust (FDIC Cert #3973) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Sioux Falls | $1.8T | C | 0.85% |
| Wells Fargo Bank, National Association Sioux Falls | $1.8T | B | 1.41% |
| The Bancorp Bank, National Association Sioux Falls | $9.3B | B | 2.81% |
| Pathward, National Association Sioux Falls | $7.6B | B | 2.65% |
| Dacotah Bank Aberdeen | $4.8B | C | 1.01% |
| First PREMIER Bank Sioux Falls | $4.2B | B | 1.67% |
| First Dakota National Bank Yankton | $3.2B | C | 1.38% |
| Sunrise Banks, National Association Sioux Falls | $2.7B | F | 0.39% |
Frequently Asked Questions
What is First Bank & Trust's health grade? ▼
First Bank & Trust receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is First Bank & Trust? ▼
First Bank & Trust holds $4.7B in total assets and $4.1B in deposits. It is headquartered in Brookings, South Dakota.
Is my money safe at First Bank & Trust? ▼
Yes. First Bank & Trust is FDIC-insured (Certificate #3973). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First Bank & Trust's Tier 1 Capital Ratio? ▼
First Bank & Trust has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is First Bank & Trust? ▼
First Bank & Trust has an Efficiency Ratio of 63.28%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.