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First Bank & Trust

$1B-$10B Specialty: Commercial SD FDIC cert 3973

Designations: ✓ Community bank

Brookings, SD

22 branches across SD · MN

884 banks in the $1B-$10B peer group nationally 15 in SD
View $1B-$10B leaderboard (SD) →

First Bank & Trust has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.40% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 11.8% in tier
  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.17% below tier average
Get updates when First Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $4.9B
+1.7% YoY +3.7% QoQ
+$2.1B $2.8B
-0.1% YoY
$68.7B
+9.0% YoY
$6.2B
+9.1% YoY
85%
Total Loans ? $3.4B
-0.7% YoY -0.2% QoQ
+$1.5B $2.0B
+0.6% YoY
$30.8B
+10.3% YoY
$3.2B
+10.8% YoY
85%
Total Deposits ? $4.3B
+4.2% YoY +4.2% QoQ
+$1.9B $2.3B
-0.3% YoY
$54.8B
+8.5% YoY
$4.8B
+8.2% YoY
Top 14.1% in tier
Return on Assets ? 1.30%
+43.5% YoY +28.1% QoQ
-0.06% 1.37%
+19.6% YoY
1.41%
+1.8% YoY
1.23%
+13.4% YoY
57%
Net Interest Margin ? 3.65%
+16.9% YoY +8.4% QoQ
-0.17% 3.82%
+6.9% YoY
4.19%
+0.4% YoY
3.89%
+5.7% YoY
51%
Efficiency Ratio ? 60.66%
-8.6% YoY -4.1% QoQ
-0.40% 61.06%
-4.6% YoY
64.00%
-0.6% YoY
66.95%
-4.1% YoY
47%
Delinquency Rate ? 0.44%
+126.5% YoY +44.6% QoQ
-0.45% 0.89%
+14.1% YoY
0.59%
+45.1% YoY
0.95%
+18.8% YoY
58%
Loan-to-Deposit Ratio ? 80.59%
-4.8% YoY -4.2% QoQ
-3.62% 84.20%
+0.3% YoY
71.70%
+0.3% YoY
76.70%
+0.9% YoY
64%
Non-Interest-Bearing Deposit Share ? 18.59%
+2.5% YoY +0.0% QoQ
-2.70% 21.29%
-2.5% YoY
23.74%
-0.7% YoY
22.01%
-1.2% YoY
44%
Nonperforming Asset Ratio ? 0.48%
+54.3% YoY +20.2% QoQ
-0.20% 0.67%
+15.6% YoY
0.41%
+39.3% YoY
0.67%
+19.3% YoY
46%
Tier 1 Capital Ratio ? 10.49%
+5.1% YoY +2.8% QoQ
-4.67% 15.16%
+2.0% YoY
15.79%
+0.8% YoY
17.06%
+0.8% YoY
Bottom 8.7% in tier
Non-Interest Income / Assets ? 0.21%
-1.4% YoY -77.0% QoQ
-0.04% 0.26%
+1.6% YoY
0.27%
+0.0% YoY
0.32%
+4.1% YoY
75%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#27 of 221 • Bottom 11.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.49%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

126
Total Deposits
size
Value: $4.26B
Peer Median: $2.34B
#126 of 884 Top 14.1% in $1B-$10B
134
Total Assets
size
Value: $4.87B
Peer Median: $2.82B
#134 of 884 Top 15.0% in $1B-$10B
135
Total Loans
size
Value: $3.43B
Peer Median: $1.96B
#135 of 884 Top 15.2% in $1B-$10B

Top Weaknesses (1 metrics)

808
Tier 1 Capital Ratio
capital
Value: 10.49%
Peer Median: 15.16%
#808 of 884 Bottom 8.7% in $1B-$10B
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