What is First Bank & Trust's financial health grade?

First Bank & Trust has a TFS Financial Health Grade of D (score: 66.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Bank & Trust have?

First Bank & Trust has 22 branch locations across the United States.

Is First Bank & Trust FDIC insured?

Yes, First Bank & Trust is FDIC insured (Certificate #3973).

What are the total assets of First Bank & Trust?

First Bank & Trust has total assets of $4.7B as reported in its most recent FDIC filing.

First Bank & Trust

BankBrookings, South Dakota

www.bankeasy.com

Total Assets

$4.7B

Total Deposits

$4.1B

Branches

Established

1925

TFS Health Grade

66.3 / 100

Below average financial health

How we grade

First Bank & Trust is a bank headquartered in Brookings, South Dakota, established in 1925. With $4.7B in total assets and 22 branch locations, it has a TFS Financial Health Grade of D (66.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.21%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.30%

Profitability

Return on Assets (ROA)

1.02%(1%)

Return on Equity (ROE)

9.39%(10%)

Net Interest Margin

3.37%

Efficiency Ratio

63.28%(60%)

Lending & Liquidity

Total Loans

$3.5B

Loan-to-Deposit Ratio

84.11%

Net Charge-Off Ratio

0.07%

Growth

Asset Growth (YoY)

+0.27%

Deposit Growth (YoY)

+3.20%

Net Income

$48.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Bank & TrustHQ	520 6th St	Brookings	SD	11
First Bank & Trust	234 1st Ave E	Cambridge	MN	11
First Bank & Trust	21420 Aberdeen St Ne	Cedar	MN	11
First Bank & Trust	4901 77th St W	Edina	MN	11
First Bank & Trust	1101 1st St Se	New Prague	MN	11
First Bank & Trust	101 2nd St Nw	Pipestone	MN	11
First Bank & Trust	209 S Rum River Dr	Princeton	MN	11
First Bank & Trust	1909 Highway 36 W	Roseville	MN	11
First Bank & Trust	700 22nd Ave S	Brookings	SD	12
First Bank & Trust	2220 6th St	Brookings	SD	11
First Bank & Trust	2233 6th St	Brookings	SD	12
First Bank & Trust	402 E 5th St	Canton	SD	11
First Bank & Trust	644 N Main Ave	Garretson	SD	11
First Bank & Trust	120 N Egan Ave	Madison	SD	11
First Bank & Trust	215 W 4th Ave	Milbank	SD	11
First Bank & Trust	500 S Highline Pl	Sioux Falls	SD	11
First Bank & Trust	110 N Minnesota Ave	Sioux Falls	SD	11
First Bank & Trust	2300 W 57th St	Sioux Falls	SD	11
First Bank & Trust	445 Main Ave	Toronto	SD	11
First Bank & Trust	20 E Main St	Vermillion	SD	11
First Bank & Trust	1120 9th Ave Se	Watertown	SD	11
First Bank & Trust	301 W Main St	White	SD	11

First Bank & Trust

Capital & Safety

Profitability

Lending & Liquidity

Growth

Institution Details

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