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 808th largest bank in the nation. It was established in 1987 and as of June of 2020, it had grown to 181 employees at 8 locations. First Bank & Trust (SD) has a B+ health rating.

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 - YTD1.29%
Return on Equity - YTD10.66%
Annual Interest Income$26.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.15B$1.01B
LoansQ2 2020vs Q2 2019$875.6MM$788.0MM
DepositsQ2 2020vs Q2 2019$993.7MM$872.9MM
Equity CapitalQ2 2020vs Q2 2019$135.5MM$121.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$12.4MM$9.9MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$20.0MM$6.9MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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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

0.30%$100-12 Month CD
0.20%$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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