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First Bank & Trust

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First Bank & Trust Rates & Review September 2026

Q: How many branches does First Bank & Trust operate?

First Bank & Trust currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First Bank & Trust's Personal Loan Rates are as low as 14.24%. First Bank & Trust's Credit Card Rates are at 13.90%. MonitorBankRates evaluates the financial stability of First Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.79%. Rates last updated and verified on 09/23/2026.

First Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank & Trust? Share your experience about First Bank & Trust by leaving a review below, or read customer reviews before you decide to use First Bank & Trust.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Bank & Trust

520 6th St
Brookings, SD 57006

https://www.bankeasy.com

First Bank & Trust Credit Card Rates

Product	Rate	APR
Visa Gold Rewards Credit Card	-	13.90%
Details Fixed interest rate. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.79%
Visa Signature Rewards Credit Card	-	14.24%
Details Published APR range: 14.24% to 24.24%. Competitive variable APR. Applicant must have a minimum of $150k in annual gross income OR net worth of at least $1 million. Exclusive Signature Benefits such as travel, entertainment, sports, shopping, fine wine and food. Receive 4,000 bonus rewards points each calendar year you spend $20,000, which can be combined with other earned points and redeemed for cash back or other rewards. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.79%

First Bank & Trust Personal Loan Rates

Product	APR	Term	View More
Visa Signature Rewards Credit Card	14.24%
Details Published APR range: 14.24% to 24.24%. Competitive variable APR. Applicant must have a minimum of $150k in annual gross income OR net worth of at least $1 million. Exclusive Signature Benefits such as travel, entertainment, sports, shopping, fine wine and food. Receive 4,000 bonus rewards points each calendar year you spend $20,000, which can be combined with other earned points and redeemed for cash back or other rewards. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Bank & Trust’s Texas Ratio stayed near 3.81% in Q3 2023 to 3.79% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.8B	3.79%	5.0	A+
March 31, 2026	$4.9B	4.35%	5.0	A+
December 31, 2025	$4.7B	3.53%	5.0	A+
September 30, 2025	$4.7B	3.94%	5.0	A+
June 30, 2025	$4.7B	3.03%	5.0	A+
March 31, 2025	$4.8B	2.94%	5.0	A+
December 31, 2024	$4.7B	2.82%	5.0	A+
September 30, 2024	$4.7B	3.41%	5.0	A+
June 30, 2024	$4.7B	3.45%	5.0	A+
March 31, 2024	$4.6B	4.02%	5.0	A+
December 31, 2023	$4.7B	4.01%	5.0	A+
September 30, 2023	$4.6B	3.81%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Bank & Trust

Bank Holding Company FISHBACK FINANCIAL CORP

Address 520 6th St, Brookings, SD 57006 · Brookings

Website https://www.bankeasy.com

FDIC Certificate # 3973

Established 19251102

FDIC Insurance Date 19340101

Domestic Offices 22

Total Branches 22

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.79%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3093%

Return on Equity (ROE) 11.7200%

Non-Performing Loans (NPL) 0.31%

Total Assets $4,784,894,000

Total Deposits $4,168,214,000

Equity Capital $539,384,000

Net Income $31,316,000

Headquarters Brookings

Total Branches and Offices 22

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Bank & Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/first-bank-and-trust-rates-review3973">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About First Bank & Trust

How many branches does First Bank & Trust operate?

First Bank & Trust currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does First Bank & Trust offer online and mobile banking?

Most modern institutions like First Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankeasy.com.