First Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.09 percentage points higher than in Q1 2026, at 85.70%. Within South Dakota, First Bank & Trust is 31st of 56 on return on assets, 1.30% as of Q2 2026, below the middle of the field. At 1.30%, First Bank & Trust's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.37% |
| Equity capital to assets | 11.27% |
| Tangible equity to tangible assets | 10.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.95% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 301.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 11.71% |
| Net interest margin | 3.76% |
| Efficiency ratio | 56.95% |
| Yield on earning assets | 5.75% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.70% |
| Core deposits to total deposits | 89.74% |
| Brokered deposits to total deposits | 2.64% |
| Deposits to assets | 87.11% |
| Securities to assets | 17.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.35% | 0.79% | 3.01% | 0.08% | 0.05% |
| Q4 2023 | 9.15% | 0.65% | 2.72% | 0.10% | 0.02% |
| Q1 2024 | 9.41% | 2.29% | 2.62% | 0.26% | 0.26% |
| Q2 2024 | 9.51% | 0.58% | 2.72% | 0.22% | 0.15% |
| Q3 2024 | 9.70% | 0.84% | 2.89% | 0.23% | 0.02% |
| Q4 2024 | 9.94% | 0.86% | 3.10% | 0.15% | -0.01% |
| Q1 2025 | 9.98% | 0.91% | 3.08% | 0.18% | 0.01% |
| Q2 2025 | 10.04% | 0.85% | 3.21% | 0.21% | 0.04% |
| Q3 2025 | 10.24% | 1.11% | 3.41% | 0.35% | 0.12% |
| Q4 2025 | 10.21% | 1.17% | 3.49% | 0.30% | 0.09% |
| Q1 2026 | 10.49% | 1.31% | 3.63% | 0.42% | 0.05% |
| Q2 2026 | 10.37% | 1.30% | 3.76% | 0.41% | -0.01% |
First Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3973) · FFIEC NIC profile (RSSD 77851)