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 292nd largest bank in the nation. It was established in 1925 and as of December of 2023, it had grown to 681 employees at 22 locations. First Bank & Trust (Brookings, SD) has an A health rating.

Reviews (1)

Very Bad Customer Service/Disputes Department

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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 - YTD0.84%
Return on Equity - YTD8.63%
Annual Interest Income$205MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.7B$4.38B
LoansQ4 2023vs Q4 2022$3.51B$3.18B
DepositsQ4 2023vs Q4 2022$3.85B$3.65B
Equity CapitalQ4 2023vs Q4 2022$451.4MM$418.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$41.7MM$38.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$11MM$5.7MM
Real Estate OwnedQ4 2023vs Q4 2022$6.9MM$8.2MM
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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


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