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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 - August 19, 2026

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

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 3973
Date Established	1925
Assets	$ 4.70 billion
Loans	$ 3.44 billion
Deposits	$ 4.09 billion
Capital	$ 528.71 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 172.78 million
Interest-bearing balances	$ 120.12 million
Total securities	$ 800.51 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 3.44 billion
Loan loss allowance	$ 43.18 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 8.32 million
Goodwill and other intangibles	$ 68.29 million
All other assets	$ 131.42 million
Total Assets	$ 4.17 billion

LIABILITIES
Total deposits	$ 4.09 billion
Interest-bearing deposits	$ 3.33 billion
Deposits held in domestic offices	$ 4.09 billion
% insured (estimated)"	67.51%
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	$ 4.17 billion
Shareholders’ Equity	$ 528.71 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 252.19 million
Total Interest Expense	$ 104.54 million
Net interest income	$ 147.65 million
Provision for loan and lease losses	$ 2.28 million
Total non interest income	$ 43.62 million
Total non interest expense	$ 124.60 million
Pre-tax Net Operating Income	$ 38.03 million

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Branches

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