Total Assets
$4.8B
Total Deposits
$4.2B
Branches
22
Established
1925
First Bank & Trust is a bank headquartered in Brookings, South Dakota, established in 1925. It holds $4.8B in total assets across 22 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Bank & Trust earns a TFS Financial Health Grade of B (79.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
79.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Bank & TrustHQ | 520 6th St | Brookings | SD | 11 |
| First Bank & Trust | 234 1st Ave E | Cambridge | MN | 11 |
| First Bank & Trust | 21420 Aberdeen St Ne | Cedar | MN | 11 |
| First Bank & Trust | 4901 77th St W | Edina | MN | 11 |
| First Bank & Trust | 1101 1st St Se | New Prague | MN | 11 |
| First Bank & Trust | 101 2nd St Nw | Pipestone | MN | 11 |
| First Bank & Trust | 209 S Rum River Dr | Princeton | MN | 11 |
| First Bank & Trust | 1909 Highway 36 W | Roseville | MN | 11 |
| First Bank & Trust | 700 22nd Ave S | Brookings | SD | 12 |
| First Bank & Trust | 2220 6th St | Brookings | SD | 11 |
| First Bank & Trust | 2233 6th St | Brookings | SD | 12 |
| First Bank & Trust | 402 E 5th St | Canton | SD | 11 |
| First Bank & Trust | 644 N Main Ave | Garretson | SD | 11 |
| First Bank & Trust | 120 N Egan Ave | Madison | SD | 11 |
| First Bank & Trust | 215 W 4th Ave | Milbank | SD | 11 |
| First Bank & Trust | 500 S Highline Pl | Sioux Falls | SD | 11 |
| First Bank & Trust | 110 N Minnesota Ave | Sioux Falls | SD | 11 |
| First Bank & Trust | 2300 W 57th St | Sioux Falls | SD | 11 |
| First Bank & Trust | 445 Main Ave | Toronto | SD | 11 |
| First Bank & Trust | 20 E Main St | Vermillion | SD | 11 |
| First Bank & Trust | 1120 9th Ave Se | Watertown | SD | 11 |
| First Bank & Trust | 301 W Main St | White | SD | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
79.7
Tier 1 capital ratio
10.37%
Return on assets
1.31%
Non-performing loans
0.42%
Efficiency ratio
58.97%
Asset growth (YoY)
0.77%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.