1st Financial Bank USA
Dakota Dunes, SD
IDRSSD: 526452
Total Assets
$1.35B
Latest filing
Total Deposits
$1.04B
Latest filing
Net Interest Margin
9.46%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
1st Financial Bank USA
331 Dakota Dunes Blvd
Dakota Dunes, SD 57049
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 1100
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| 1st Financial Bank USA (Main) | 331 Dakota Dunes Blvd | Dakota Dunes, SD |
| DUPREE BRANCH | 424 Main Street | Dupree, SD |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1910 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 57049 |
| State and County Number | 46127 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Sioux City, IA-NE-SD |
Operational Info
| Number of Employees | 337 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1fbusa.com |
| Data Updated | 01/30/2026 |
| CERT | 1673 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.35B |
| Total Deposits | $1.04B |
| Total Liabilities | $1.12B |
| Total Equity Capital | $224.17M |
| Net Income | $531.00k |
| Net Loans and Leases | $947.31M |
| Assets Per Employee ($Millions) | $4.13M |
| Bank Premises and Fixed Assets | $37.99M |
| Cash and Balances due from Depository Institutions | $129.37M |
| Deposits Held in Domestic Offices | $1.04B |
Key Performance Ratios
| Return on Assets (ROA) | 0.16% |
| Return on Equity (ROE) | 0.95% |
| Net Interest Margin | 9.46% |
| Efficiency Ratio | 87.33% |
| Tier 1 Risk-Based Capital Ratio | 223,737% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.38% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.638% |
| Earning Assets to total Assets | 86.2% |
Income and Expense
| Total Interest Income | $38.46M |
| Total Noninterest Income | $13.46M |
| Total Interest Expense | $11.20M |
| Total Noninterest Expense | $35.84M |
| Net Interest Income | $27.27M |
| Pre-tax Net Operating Income | $224.00k |
| Provision for Credit Losses | $4.66M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $4.02M |
| Other borrowed funds | $44.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.75M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $39.03M |
| Total Liabilities and Capital | $1.35B |
Securities
| Securities | $110.31M |
| Available-for-sale debt securities | $49.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $60.78M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 1st Financial Bank USA?
$1.35B as of the latest filing.
How much are 1st Financial Bank USA's total deposits?
$1.04B in total deposits.
Where is 1st Financial Bank USA located?
Dakota Dunes, SD.
What is the Net Interest Margin?
9.46%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
0.16%.
How much are total loans and leases?
$947.31M (latest filing).
What is the total interest income (latest filing)?
$38.46M.