1ST FINANCIAL BANK USA

DAKOTA DUNES, SD | Large | Est. Jan. 1, 1910, midnight | FDIC #1673 | RSSD #526452 | FDIC
Latest Report: 2025-12-31

1ST FINANCIAL BANK USA is aln large FDIC-insured commercial bank headquartered in DAKOTA DUNES, SD, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.0B. Profitability stands at 0.16% ROA and 0.95% ROE, with a net interest margin of 8.86%. The bank's CET1 capital ratio is 21.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 3.56%. FDIC Certificate #1673.

Assets

$1.3B

Deposits

$1.0B

Loans

$964M

Equity

$224M

Profitability

Return on Assets (ROA) 0.16%
Return on Equity (ROE) 0.95%
Net Interest Margin (NIM) 8.86%
Yield on Assets 12.49%
Cost of Funds 4.18%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio 2.25%
Texas Ratio 3.56%
NPA Ratio 0.64%
ACL / Loans 1.78%

Capital & Liquidity

CET1 Ratio 21.41%
Tier 1 Capital 21.41%
Total Capital Ratio 22.67%
Leverage Ratio 16.73%
Loan-to-Deposit 92.74%

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