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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 - July 10, 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

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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