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First Bank & Trust
Brookings, SD · FDIC Certificate #3973 · Chartered 11/0
Total assets
$4.78B
Total deposits
$4.17B
Total equity
$539.38M
Net loans
$3.53B
Branches (offices)
22
Net income (YTD)
$31.32M
Rank: #295 of 4,213 U.S. banks by assets · #6 of 56 in South Dakota. Assets changed 0.8% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 11.72% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 11.27% |
| Tier 1 leverage ratio | 10.37% |
| Uninsured deposits (share of deposits) | 31.1% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 84.6% |
| Real estate loans (share of loans) | 64.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.26B | 64.1% | |
| Commercial & industrial | $845.33M | 24.0% | |
| Consumer / individual | $116.62M | 3.3% | |
| Construction & development | $255.30M | 7.2% | |
| Agricultural | $191.49M | 5.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.18B | $3.69B | $28.98M | $408.90M |
| Jun 2023 | $4.42B | $3.83B | $21.07M | $430.62M |
| Jun 2024 | $4.69B | $3.80B | $33.55M | $472.37M |
| Jun 2025 | $4.75B | $4.06B | $20.91M | $513.84M |
| Jun 2026 | $4.78B | $4.17B | $31.32M | $539.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $3.26B | 15 |
| Minnesota | $908.76M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.17B.
Similar-sized banks
Wheaton Bank & Trust, National Association ($4.79B) · Bar Harbor Bank & Trust ($4.73B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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