1st Financial Bank USA
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Data as of · sourced from FFIEC call reports. How we update
1st Financial Bank USA is an FDIC-insured commercial bank headquartered in Dakota Dunes, SD, established in 1910 (FDIC certificate 1673), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.40B, up 7.4% from Q2 2025, the 16th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 21.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1673
- Headquarters
- Dakota Dunes, SD
- Established
- 1910
- Total assets, Q2 2026
- $1.40B
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 21.06%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091404466
- Latest call report
- Q2 2026, FFIEC 031 · 1st Financial Bank USA call report
- Asset rank in state
- 16th of 56 in South Dakota
1st Financial Bank USA pays more for its money than most banks of its size. The Dakota Dunes, South Dakota bank had $1.4 billion in assets at June 30, 2026, up 7.4% from a year earlier. It pays an average of 4.01% on its deposits and borrowings, about double the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 21.06% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Net income for the quarter slipped 24% from a year earlier, to $3.2 million. Over the same year, loans grew 2.9% and deposits grew 9.9%. Profitability lags: it returns 5.6% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, 1st Financial Bank USA reported a CET1 capital ratio of 21.06%, a return on assets of 0.91%, a nonperforming-loan ratio of 1.51% and a Texas ratio of 6.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, 1st Financial Bank USA is the 16th largest of the 56 banks headquartered in South Dakota. Between Q1 2026 and Q2 2026, its total assets rose 5.3% to $1.40B, loans rose 1.8% and deposits rose 6.8%. The largest part of its loan book on June 30, 2026 was credit card loans, at 35.0% of total loans, ahead of leases at 31.8%. The FDIC Summary of Deposits lists 2 offices for it, in Dupree, SD and Dakota Dunes, SD; its Dupree office books 99% of its branch deposits. By the capital ratios in its Q2 2026 call report, 1st Financial Bank USA meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 331 Dakota Dunes Blvd, Dakota Dunes, SD 57049
- County
- Union
- Metro Area
- Sioux City, Ia-Ne-SD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- January 1, 1910
- Former names
- 1st Financial Bank South Dakota (1991-1999)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 312
- Domestic deposits
- $1.09B
- Allowance for credit losses
- $17.4M
- Net charge-offs (YTD)
- $11.2M
- Average total assets
- $1.40B
- Average total loans
- $661.3M
- Average interest-bearing deposits
- $1.04B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1673
- Fed RSSD
- 526452
- Website
- www.1fbusa.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 1st Financial Bank USA's total assets ranged from $1.24B (Q3 2023) to $1.40B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.40B total assets against $1.31B; $1.18B total liabilities against $1.08B.
$969.6M net loans and leases against $940.4M; $1.09B total deposits against $994.9M.
$109.8M securities against $110.3M; $161.2M cash and balances due against $78.4M.
$38.4M total interest income against $39.3M; $11.0M total interest expense against $11.0M.
$27.3M net interest income against $28.3M.
$13.0M total noninterest income against $12.3M; $29.7M total noninterest expense against $28.9M.
$5.7M provision for credit losses against $5.9M.
$3.2M net income against $4.2M.
0.91% return on assets against 1.28%; 9.23% net interest margin against 10.00%.
21.06% CET1 capital ratio against 21.14%; 16.34% tier 1 leverage ratio against 17.14%.
Inside the full 1st Financial Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, free1st Financial Bank USA rankings
Its closest position to the top of a national ranking is 284 of 2,134, for CET1 ratio; its furthest is 972 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.09% (Q4 2024) to 1.52% (Q1 2025) and its net interest margin ran from 9.23% (Q2 2026) to 10.27% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.06% | 0.91% | 1.51% | 6.57% | 9.23% |
| Q1 2026 | 21.27% | 1.05% | 1.36% | 6.18% | 9.37% |
| Q4 2025 | 21.00% | 0.64% | 1.51% | 7.68% | 9.42% |
| Q3 2025 | 20.97% | 1.35% | 1.19% | 6.76% | 9.84% |
| Q2 2025 | 21.14% | 1.28% | 1.29% | 6.96% | 10.00% |
| Q1 2025 | 21.62% | 1.52% | 1.40% | 7.10% | 9.87% |
| Q4 2024 | 20.95% | -0.09% | 1.56% | 7.63% | 10.25% |
| Q3 2024 | 20.89% | 1.10% | 1.61% | 7.60% | 10.27% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dupree Branch | Dupree , SD | 57623 | $1.08B |
| 1st Financial Bank USA (main office) | Dakota Dunes , SD | 57049 | $11.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 15 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 18 loans, $34.7M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 1st Financial Bank USA
What are 1st Financial Bank USA's total assets?
As of the Q2 2026 filing, 1st Financial Bank USA reported total assets of $1.40 billion in its FFIEC call report.
Where is 1st Financial Bank USA headquartered?
It is headquartered in Dakota Dunes, SD, United States.
When was 1st Financial Bank USA founded?
It was established in 1910, per the FDIC institution directory.
Is 1st Financial Bank USA FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Financial Bank USA?
1st Financial Bank USA's primary federal regulator is the FDIC.
What is 1st Financial Bank USA's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 1st Financial Bank USA operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st Financial Bank USA's Texas Ratio?
Its Texas Ratio is 6.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was 1st Financial Bank USA previously called?
The charter now named 1st Financial Bank USA has also operated as 1st Financial Bank South Dakota (1991-1999), per FDIC structure-change records.
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