Banks | First Bank & Trust

First Bank & Trust

First Bank & Trust is an FDIC insured institution headquartered at 520 6th St, Brookings, SD 57006.
It was founded in 1925 and has approximately $5 billion in assets. Customers can open an account at one of its 16 branches.

Deposit Rates - July 18, 2025

SAVINGS RATES	APY	MIN
Savings	0.05%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.25%	$10,000	Compare
6 Mo CD	0.25%	$100,000	Compare
Special: 12 Mo CD	0.35%	$1,000	Compare
12 Mo CD	0.40%	$10,000	Compare
12 Mo CD	0.40%	$100,000	Compare
18 Mo CD	0.35%	$10,000	Compare
18 Mo CD	0.35%	$100,000	Compare
24 Mo CD	0.45%	$10,000	Compare
24 Mo CD	0.45%	$100,000	Compare
36 Mo CD	0.50%	$10,000	Compare
36 Mo CD	0.50%	$100,000	Compare
48 Mo CD	0.60%	$10,000	Compare
48 Mo CD	0.60%	$100,000	Compare
60 Mo CD	0.75%	$10,000	Compare
60 Mo CD	0.75%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$2,500	Compare
Money Market	0.05%	$10,000	Compare
Money Market	0.05%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.05%	$1
Int Ckg	0.05%	$2,500

Featured Home Equity Rates

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Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-04-18

Intro APR: 6.490 %
After Intro:7.750 %
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NMLS ID: 401822 / Updated 2025-07-18
Equal Housing Lender

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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

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Advertiser Disclosure

PenFed Credit Union
NMLS ID: 401822

6.806%

$2,049 Fees & Points $6,000 Total
0.875 Pts ($2,800)
$3,200 Fees

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NMLS ID: 167283

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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 3973
Date Established	1925
Assets	$ 4.79 billion
Loans	$ 3.46 billion
Deposits	$ 4.08 billion
Capital	$ 503.47 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 259.42 million
Interest-bearing balances	$ 200.99 million
Total securities	$ 776.15 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 3.46 billion
Loan loss allowance	$ 43.45 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 8.17 million
Goodwill and other intangibles	$ 71.06 million
All other assets	$ 131.42 million
Total Assets	$ 4.28 billion

LIABILITIES
Total deposits	$ 4.08 billion
Interest-bearing deposits	$ 3.34 billion
Deposits held in domestic offices	$ 4.08 billion
% insured (estimated)"	68.47%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 16.60 million
Subordinated debt	N.A.
All other liabilities	$ 62.17 millionn
Total Liabilities	$ 4.28 billion
Shareholders’ Equity	$ 503.47 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 60.67 million
Total Interest Expense	$ 26.46 million
Net interest income	$ 34.22 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 10.36 million
Total non interest expense	$ 30.52 million
Pre-tax Net Operating Income	$ 38.03 million

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