1ST FINANCIAL BANK USA
1ST FINANCIAL BANK USA is an FDIC-insured commercial bank headquartered in DAKOTA DUNES, SD, established in 1910. As of , the bank reported total assets of $1.4B and total deposits of $1.0B. Profitability stands at 0.64% ROA and 3.81% ROE, with a net interest margin of 8.15%. CET1 capital ratio: 21.00%, well above regulatory minimums. NPL ratio: 2.41% · Texas Ratio: 11.22%. Operates 2 domestic branches.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
1st Financial Bank USA rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 21.00% | 0.64% | 2.41% | 11.22% | 8.15% |
| 2025-09-30 | 20.97% | 1.36% | 2.13% | 10.54% | 8.56% |
| 2025-06-30 | 21.14% | 1.26% | 2.00% | 9.72% | 8.68% |
| 2025-03-31 | 21.62% | 1.51% | 2.05% | 9.56% | 8.56% |
| 2024-12-31 | 20.95% | -0.09% | 2.08% | 9.65% | 8.82% |
| 2024-09-30 | 20.89% | 1.11% | 1.46% | 6.98% | 8.81% |
| 2024-06-30 | 20.81% | 6.26% | 1.43% | 5.81% | 8.92% |
| 2024-03-31 | 22.73% | 1.25% | 1.40% | 5.33% | 9.12% |
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Frequently asked about 1ST FINANCIAL BANK USA
What are 1st Financial Bank USA's total assets?
As of the Q4 2025 filing, 1st Financial Bank USA reported total assets of $1.35 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1st Financial Bank USA headquartered?
1st Financial Bank USA is headquartered in DAKOTA DUNES, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was 1st Financial Bank USA founded?
1st Financial Bank USA was established in 1910, per the FDIC institution directory.
Is 1st Financial Bank USA FDIC-insured?
Yes. 1st Financial Bank USA 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1st Financial Bank USA's CET1 capital ratio?
1st Financial Bank USA reported a Common Equity Tier 1 (CET1) capital ratio of 21.00% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does 1st Financial Bank USA operate?
1st Financial Bank USA operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is 1st Financial Bank USA's Texas Ratio?
1st Financial Bank USA's Texas Ratio is 11.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.