Banks1ST FINANCIAL BANK USA

1ST FINANCIAL BANK USA

DAKOTA DUNES, SDLargeEst. Jan. 1, 1910, midnightFDIC #1673RSSD #526452FDIC
Latest · 2025-12-31

1ST FINANCIAL BANK USA is an 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%. CET1 capital ratio: 21.41%, well above regulatory minimums. NPL ratio: 0.47% · Texas Ratio: 3.56%. Operates 2 domestic branches.

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 Margin8.86%
Yield on Assets12.49%
Cost of Funds4.17%

Asset Quality

NPL Ratio0.47%
Net Charge-Off Ratio2.25%
Texas Ratio3.56%
NPA Ratio0.64%
ACL / Loans1.78%

Capital & Liquidity

CET1 Ratio21.41%
Tier 1 Capital21.41%
Total Capital Ratio22.67%
Leverage Ratio16.73%
Loan-to-Deposit92.74%

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