FIRST BANK & TRUST

BROOKINGS, SD | Large | Est. Nov. 2, 1925, midnight | FDIC #3973 | RSSD #77851 | FDIC
Latest Report: 2025-12-31

FIRST BANK & TRUST is aln large FDIC-insured commercial bank headquartered in BROOKINGS, SD, established in Nov. 2, 1925, midnight. As of 2025-12-31, the bank reported total assets of $4.7B and total deposits of $4.1B. Profitability stands at 1.19% ROA and 10.68% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 9.02%. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 3.26%. FDIC Certificate #3973.

Assets

$4.7B

Deposits

$4.1B

Loans

$3.5B

Equity

$529M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 10.68%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.92%
Cost of Funds 3.37%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.07%
Texas Ratio 3.26%
NPA Ratio 0.40%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 9.02%
Tier 1 Capital 9.02%
Total Capital Ratio 9.47%
Leverage Ratio 10.21%
Loan-to-Deposit 85.16%

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