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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
  • Deposits +2.8% year over year ($4.2B on the books).
  • Delinquency rate 0.42%.
  • Return on assets 1.31%.
  • Efficiency ratio 58.97% vs a 59.73% peer average.
  • Loan-to-deposit ratio 84.62% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD
View $1B-$10B leaderboard (SD) →

First Bank & Trust has 2 strengths but faces 4 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 0.76% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 9.9% in tier
  • - Credit Risk Growth: Bottom 13.2% in tier
  • - ROA 0.08% below tier average
  • - Net Interest Margin 0.12% below tier average
Get updates when First Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $4.8B
+0.8% YoY -1.7% QoQ
+$2.0B $2.8B
-0.6% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
85%
Total Loans ? $3.5B
+2.5% YoY +2.8% QoQ
+$1.6B $2.0B
-0.3% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
Top 14.2% in tier
Total Deposits ? $4.2B
+2.8% YoY -2.1% QoQ
+$1.8B $2.3B
-0.5% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
Top 13.8% in tier
Return on Assets ? 1.31%
+48.3% YoY +0.5% QoQ
-0.08% 1.39%
+17.0% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 3.76%
+17.3% YoY +2.9% QoQ
-0.12% 3.87%
+6.2% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 58.97%
-10.5% YoY -2.8% QoQ
-0.76% 59.73%
-12.6% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.42%
+96.5% YoY -3.2% QoQ
-0.45% 0.87%
+11.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 84.62%
-0.2% YoY +5.0% QoQ
-0.41% 85.04%
-0.1% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 17.12%
-0.0% YoY -7.9% QoQ
-4.15% 21.27%
-1.5% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.43%
+30.5% YoY -10.6% QoQ
-0.25% 0.67%
+11.7% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 10.37%
+3.3% YoY -1.1% QoQ
-4.47% 14.84%
-0.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
Bottom 9.0% in tier
Non-Interest Income / Assets ? 0.41%
-7.2% YoY +91.2% QoQ
-0.12% 0.53%
+2.5% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Noninterest-Bearing 17.1%
0.0pp YoY
-1.5pp QoQ
 -4.2pp 21.4% 23.5% 22.2% 34%
Brokered Deposits 2.6%
0.0pp YoY
+0.1pp QoQ
 -6.8pp 9.5% 8.7% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 24.0%
+3.3pp YoY
+1.4pp QoQ
 +10.0pp 14.0% 14.1% 12.5% 87%
CRE 44.1%
-2.6pp YoY
-1.5pp QoQ
 -5.9pp 50.0% 31.5% 41.4% 34%
1-4 Family 13.1%
-1.3pp YoY
-0.7pp QoQ
 -13.3pp 26.4% 14.9% 31.3% 25%
Consumer 3.3%
+0.5pp YoY
+0.4pp QoQ
 -1.4pp 4.7% 8.5% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 17.6% 19.7% n/a
Leverage Ratio 10.4%
+0.3pp YoY
-0.1pp QoQ
 -0.9pp 11.3% 11.9% 12.6% 47%
Total Capital Ratio n/a n/a 16.7% 18.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 716
+5 (+0.7%) YoY
+12 (+1.7%) QoQ
 +402 313 6,279 482 93%
Assets per Employee ($) $6.7M
+0.1% YoY
-3.4% QoQ
 -$3.8M $10.5M $8.1M $8.8M 20%
Branch Count 22
0 YoY
0 QoQ
 +2 20 92 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 12%
Nonaccrual 0.4%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 42%
Allowance Coverage 3.01x
-48.7% YoY
+3.0% QoQ
 -15.70x 18.71x 96.54x 20.23x 64%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.7% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 11.7%
+3.4pp YoY
0.0pp QoQ
 -0.9pp 12.6% 12.4% 11.6% 47%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.7% 1.7% 60%
Net Income ($, YTD) $31.3M
+49.7% YoY
— QoQ
 +$12.1M $19.2M $418.8M $40.4M 83%

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 (2)

Capital Thin

risk
#23 of 222 • Bottom 9.9% 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: 10.37%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#54 of 402 • Bottom 13.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

123
Total Deposits
size
Value: $4.17B
Peer Median: $2.32B
#123 of 885 Top 13.8% in $1B-$10B
127
Total Loans
size
Value: $3.53B
Peer Median: $1.96B
#127 of 885 Top 14.2% in $1B-$10B
135
Total Assets
size
Value: $4.78B
Peer Median: $2.79B
#135 of 885 Top 15.1% in $1B-$10B

Top Weaknesses (1 metrics)

806
Tier 1 Capital Ratio
capital
Value: 10.37%
Peer Median: 14.84%
#806 of 885 Bottom 9.0% in $1B-$10B
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