FDIC Cert #3973 · Brookings, South Dakota · Est. 1925

First Bank & Trust - FDIC Bank Health Profile

A community-scale look at First Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.7B
Total assets
B
Health grade · Good
1.02%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

First Bank & Trust earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.21% Tier 1, profitable at 1.02% ROA, 63% efficiency ratio.

#303
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
10.21%
Tier 1 ratio - above the 10% well-capitalized line
44th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 3973 · SD B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2400/4307
  • PHOTO-FINISH Aspire Bank · ND
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-PAR 1.02% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: Aspire Bank, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank & Trust

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Aspire Bank · ND · near76/100First Bank & Trust · SD · th…76/100First Community Bank… · IL ·…76/100Old National Bank · IN · near76/100The First National B… · IL ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank & Trust · July 2026

Plate reading for First Bank & Trust where failures stay rare

First Bank & Trust (FDIC Cert #3973) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,400 of 4,307. Tier 1 capital prints at 10.21%, clearing the 10% well-capitalized line. The Texas Ratio is 1.81%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.02%. Balance-sheet scale is $4.7B, 303rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Aspire Bank (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank & Trust

Only 1 FAILURE resolution in South Dakota since 2000

First Bank & Trust is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

How First Bank & Trust's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
First Bank & Trust's composite health score
Tier 1 Capital Ratio (10.21%) 28/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (1.81%) 20/20
Efficiency Ratio (63.28%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$4.7B

Total balance-sheet footings

Total Deposits

$4.1B

Customer-funded liabilities

Net Loans

$3.4B

Outstanding loan book

Net Income

$48M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.81% 10.21% 11.61%
Basel III capital ratios - First Bank & Trust

Where First Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank & Trust's score of 76/100 falls in the highlighted band.

First Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Bank & Trust'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). First Bank & Trust's $4.7B falls in the highlighted band.

Safety metrics: First Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

10.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.21%
Texas Ratio
1.81%
Equity Capital
$529M

What these ratios mean →

Earnings posture at First Bank & Trust

Return on Assets (ROA)
44th percentile nationally
1.02%
Return on Equity (ROE)
9.39%
Efficiency Ratio
63.28%

What these mean →

Income & expense at First Bank & Trust

$252M
Interest Income
$44M
Non-Interest Income
$125M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank & Trust reports a Texas Ratio of 1.81% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.81% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Bank & Trust on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.7B here), outside South Dakota so the neighborhood is not state containment.

Metro City Bank $4.7B · GA Bar Harbor Bank & Trust $4.7B · ME Coastal Community Bank $4.7B · WA Hills Bank and Trust Company $4.6B · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank & Trust (FDIC Cert #3973) - 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.

First Bank & Trust Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
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 PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%
Sunrise Banks, National AssociationSioux Falls $2.7B C 0.39%