First Bank & Trust (SD)

Overview / Commentary
110 North Minnesota Avenue
Sioux Falls, SD 57104

First Bank & Trust (SD) is headquartered in Sioux Falls and is the 14th largest bank in the state of South Dakota. It is also the 785th largest bank in the nation. It was established in 1987 and as of December of 2019, it had grown to 181 employees at 8 locations. First Bank & Trust (SD) has an A health rating.

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Reviews (1)

Low Fees and Friendly Bank

We switched to this bank from a national bank that had lots of fees. This bank has no fees (unless we have an overdraft) and actually pays us interest with no minimum balance. The bank is local and has 3 locations in my city. One of them is close to home and the other is very close to my work. Everyone is always friendly when I go in and they also have a children's banking program where they can earn prizes for putting money in their account.


Health Grade Components

FDIC Certificate #27078
Year Established1987
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD11.57%
Annual Interest Income$54.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.02B$980.4MM
LoansQ4 2019vs Q4 2018$800.7MM$768.5MM
DepositsQ4 2019vs Q4 2018$882.4MM$848.4MM
Equity CapitalQ4 2019vs Q4 2018$126.2MM$115.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$10.3MM$9.6MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$10.8MM$6.6MM
Real Estate OwnedQ4 2019vs Q4 2018$0$1.4MM
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First Bank & Trust (SD) Savings Account Rates


First Bank & Trust (SD) Checking Account Rates

0.25%-$25keasyGROW Checking

First Bank & Trust (SD) CD Rates

0.40%--12 Month CD
0.35%$5k-12 Month Liquid CD

First Bank & Trust (SD) Locations
First Bank & Trust110 North Minnesota AvenueSioux Falls, SD 57104
Watertown Branch1120 9th Avenue SeWatertown, SD 57201
Madison Branch120 North Egan AvenueMadison, SD 57042
Sioux Falls I-229 & 57th Street Branch2300 West 57th StreetSioux Falls, SD 57108
402 East Fifth Street Branch402 East Fifth StreetCanton, SD 57013
Garretson Branch644 N. Main AveGarretson, SD 57030
First Bank And Trust500 South Highline AvenueSioux Falls, SD 57110

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