First Bank & Trust (Brookings, SD)

Overview / Commentary
520 6th Street
Brookings, SD 57006

First Bank & Trust (Brookings, SD) is headquartered in BROOKINGS and is the 5th largest bank in the state of South Dakota. It is also the 294th largest bank in the nation. It was established in 1925 and as of September of 2023, it had grown to 678 employees at 22 locations. First Bank & Trust (Brookings, SD) has a B+ health rating.

Reviews (1)

Very Bad Customer Service/Disputes Department

Posted by: |

Everything will be fine until you have a problem with a charge. I have been disputing an unauthorized charge for nine months without any resolution. I haven't been presented any evidence in that time that the charge is valid-and the balance is once again showing that I owe it. They seem to have a strategy of making it as hard as possible to communicate by offering only mail and fax to communicate with their different deadlines. Also, customer service will make it as hard as possible as well to solve the issue by simply just hanging -up, with one day hanging-up on me 5 times. It's hard to believe there is any investigation at all regarding the unauthorized charge-they just want you to go away. I have had to file a complaint with the FDIC for help in dealing with this bank's credit card department in hopes of resolving this before I terminate the account. Do not use this bank.


Health Grade Components

FDIC Certificate #3973
Year Established1925
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD9.27%
Annual Interest Income$148.8MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$4.55B$4.22B
LoansQ3 2023vs Q3 2022$3.37B$3.03B
DepositsQ3 2023vs Q3 2022$3.78B$3.66B
Equity CapitalQ3 2023vs Q3 2022$437.3MM$409.1MM
Loan Loss AllowanceQ3 2023vs Q3 2022$39.8MM$38.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$8.2MM$5.1MM
Real Estate OwnedQ3 2023vs Q3 2022$8.3MM$11.3MM
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First Bank & Trust (Brookings, SD) Savings Account Rates

0.05%--Kids-N-Coins Club
0.05%--Cache Teen Savings

First Bank & Trust (Brookings, SD) Checking Account Rates

1.25%*-$25keasyGROW Checking
OTHER TIERS: 0.39% $25k+


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