First Bank & Trust
Brookings, SD · Cert 3973 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fishback Financial Corp.
State charter, non-member · FDIC · 22 branches
Q2 2026
$4.8BAssets
$3.6BLoans
$4.2BDeposits
$539.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 66% of banks $1B-$10B in assets operating regionally (rank 60 of 176).
- Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets operating regionally (rank 163 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.31%
Rank 80 of 176
Net Interest Margin
3.47%
Rank 99 of 176
Efficiency Ratio
60.14%
Rank 94 of 176
Equity / Assets
11.27%
Rank 60 of 176
Non-interest income vs. expense
Unfavorable gap of $84.7M · efficiency ratio beats 47% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.93% | 1.26% | 1.54% | Beats 55% | 80 / 176 | | |
| Return on Equity | 11.61% | 9.26% | 11.89% | 14.46% | Beats 48% | 92 / 176 | | |
| Net Interest Margin | 3.47% | 3.25% | 3.59% | 3.93% | Beats 44% | 99 / 176 | | |
| Efficiency Ratio | 60.14% | 52.79% | 59.55% | 67.66% | Beats 47% | 94 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.30% | 0.64% | 1.32% | Beats 64% | 64 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 55% | 80 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.37% | 11.15% | 12.72% | 14.15% | Beats 11% | 157 / 176 | | |
| Total Risk-Based Capital Ratio | 10.37% | 11.81% | 13.63% | 15.33% | Beats 7% | 163 / 176 | | |
| Equity / Assets | 11.27% | 9.16% | 10.35% | 11.80% | Beats 66% | 60 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.70% | 80.94% | 89.73% | 97.21% | 38th pctl | 110 / 176 | | |
| Loans / Assets | 74.65% | 69.25% | 75.12% | 80.82% | 48th pctl | 91 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |