First Bank & Trust
Brookings, SD
IDRSSD: 77851
Total Assets
$4.70B
Latest filing
Total Deposits
$4.09B
Latest filing
Net Interest Margin
3.60%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
091400606BROOKINGS, SD091408446BROOKINGS, SD
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Bank & Trust
520 6th St
Brookings, SD 57006
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/02/1925FDIC Certificate 2584
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First Bank & Trust (Main) | 520 6th St | Brookings, SD |
| PRINCETON BRANCH | 209 S Rum River Dr | Princeton, MN |
| SIXTH STREET BRANCH | 2220 6th St | Brookings, SD |
| TORONTO BRANCH | 445 Main Ave | Toronto, SD |
| EAST BETHEL BRANCH | 21420 Aberdeen St Ne | Cedar, MN |
| WHITE BRANCH | 301 W Main St | White, SD |
| BROOKINGS MALL BRANCH | 700 22nd Ave S | Brookings, SD |
| PIPESTONE BRANCH | 101 2nd St Nw | Pipestone, MN |
Showing 7 of 21
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 | 11/02/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57006 |
| State and County Number | 46011 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Brookings, SD |
Operational Info
| Number of Employees | 700 |
| Domestic Offices | 22 |
| 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.bankeasy.com |
| Data Updated | 01/30/2026 |
| CERT | 3973 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.70B |
| Total Deposits | $4.09B |
| Total Liabilities | $4.17B |
| Total Equity Capital | $528.71M |
| Net Income | $14.01M |
| Net Loans and Leases | $3.44B |
| Assets Per Employee ($Millions) | $6.67M |
| Bank Premises and Fixed Assets | $57.07M |
| Cash and Balances due from Depository Institutions | $172.78M |
| Deposits Held in Domestic Offices | $4.09B |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 10.68% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 60.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.256% |
| Earning Assets to total Assets | 92.78% |
Income and Expense
| Total Interest Income | $64.20M |
| Total Noninterest Income | $11.46M |
| Total Interest Expense | $24.84M |
| Total Noninterest Expense | $31.78M |
| Net Interest Income | $39.36M |
| Pre-tax Net Operating Income | $18.49M |
| Provision for Credit Losses | $550.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $8.32M |
| Other borrowed funds | $1.34M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $80.06M |
| Total Liabilities and Capital | $4.70B |
Securities
| Securities | $800.50M |
| Available-for-sale debt securities | $268.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $532.05M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank & Trust?
$4.70B as of the latest filing.
How much are First Bank & Trust's total deposits?
$4.09B in total deposits.
Where is First Bank & Trust located?
Brookings, SD.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
22.
When was it established?
11/02/1925.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$3.44B (latest filing).
What is the total interest income (latest filing)?
$64.20M.