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First Bank & Trust Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First Bank & Trust's 13-Month CD rates are at 4.05%, 12-Month Liquid CD rates are at 3.25%. First Bank & Trust's Personal Loan Rates are as low as 14.24%. First Bank & Trust's Credit Card Rates are at 13.90%. First Bank & Trust's top CD rate of 4.05% APY on a 13 month CD is 34% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. 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 11/05/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 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
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Bank & Trust CD Rates

Product Rate APY Term Min. Deposit View More
13-Month CD - 4.05% 13 months $1,000
Min Deposit $1,000
Details Rate effective as of 9/22/2026; APY with compounded interest credited annually and added back to the certificate; penalty for early withdrawal; not available for government or institutional funds; no term or rate exceptions; auto renews at maturity to the 12-Month Standard CD term and rate
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 22, 2026: 4.05% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.79%
12-Month Liquid CD - 3.25% 12 months $5,000
Min Deposit $5,000
Min Balance $1,000
Details Rate effective as of 8/26/2025; APY with compounded interest credited at maturity; must maintain $1000 minimum daily balance to obtain APY, account closes if balance falls below $1000; early withdrawal penalty within first 6 days; up to 4 withdrawals during term, each minimum $1000 and more than 6 days after previous withdrawal
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.79%

First Bank & Trust Credit Card Rates

Product Rate APR View More
Visa Gold Rewards Credit Card - 13.90%
Details Fixed interest rate of 13.9% APR; No annual, balance-transfer or over limit fees; Automatic enrollment in Dream Points Rewards program, earn 1 point per $1 spent
Last Updated 11/05/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 13 times
13.40%13.90%14.40%Sep 14, 2026: 13.90% APRSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.79%
Visa Signature Rewards Credit Card - 14.24%
Details Competitive variable APR, currently 14.24% to 24.24%; Applicant must have minimum $150k annual gross income OR verified non-retirement liquid assets of $50k or more; Annual fee; Automatic enrollment in Dream Points Rewards program, earn 1.25 points per $1 spent; 4,000 bonus rewards points each calendar year with $20,000 spend
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 14.24% APR · checked 12 times
13.74%14.24%14.74%Sep 18, 2026: 14.24% APRSep 18, 2026Nov 9, 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 Competitive variable APR, currently 14.24% to 24.24%; Applicant must have minimum $150k annual gross income OR verified non-retirement liquid assets of $50k or more; Annual fee; Automatic enrollment in Dream Points Rewards program, earn 1.25 points per $1 spent; 4,000 bonus rewards points each calendar year with $20,000 spend
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 14.24% APR · checked 12 times
13.74%14.24%14.74%Sep 18, 2026: 14.24% APRSep 18, 2026Nov 9, 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

First Bank & Trust’s Texas Ratio stayed near 3.76% 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.

0% 1.0★ 1.5% 2.0★ 2.9% 3.0★ 4.4% 4.0★ 5.9% 5.0★ Healthy zone – entire history below the 15% limit 3.76% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.79% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$4.8B3.79%5.0A+
March 31, 2026$4.9B4.35%5.0A+
December 31, 2025$4.7B3.53%5.0A+
September 30, 2025$4.7B3.91%5.0A+
June 30, 2025$4.7B3.02%5.0A+
March 31, 2025$4.8B2.94%5.0A+
December 31, 2024$4.7B2.82%5.0A+
September 30, 2024$4.7B3.39%5.0A+
June 30, 2024$4.7B3.43%5.0A+
March 31, 2024$4.6B3.95%5.0A+
December 31, 2023$4.7B3.97%5.0A+
September 30, 2023$4.6B3.76%5.0A+
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

Bank Name First Bank & Trust
Website https://www.bankeasy.com
Address 520 6th St, Brookings, SD 57006  ·  Brookings
Bank Holding Company FISHBACK FINANCIAL CORP
FDIC Certificate # 3973
Regulator FDIC
Established November 2, 1925
FDIC Insurance Date January 1, 1934
Domestic Offices 22
Total Branches 22
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.79%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3093%
Return on Equity (ROE)
11.7200%
Non-Performing Loans Ratio (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 June 30, 2026
MonitorBankRates Verified Healthy Badge 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.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

There are no reviews for First Bank & Trust yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About First Bank & Trust

Does First Bank & Trust offer CDs?

Yes. First Bank & Trust current CD rates include its 13-Month CD at 4.05% APY and its 12-Month Liquid CD at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First Bank & Trust FDIC insured?

Yes. First Bank & Trust is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Bank & Trust?

The highest First Bank & Trust CD rate is its 13-Month CD at 4.05% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First Bank & Trust offer?

First Bank & Trust CD rates are 3.25% APY for a 12 month CD and 4.05% APY for a 13 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Bank & Trust for its full lineup.

What is the lowest personal loan rate at First Bank & Trust?

The lowest First Bank & Trust personal loan rate is its Visa Signature Rewards Credit Card at 14.24% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest credit card APR at First Bank & Trust?

The lowest First Bank & Trust credit card APR is its Visa Gold Rewards Credit Card at 13.90% APR, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Bank & Trust rates compare?

First Bank & Trust's top CD rate of 4.05% APY on a 13 month CD is 34% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. First Bank & Trust's top rates are its 13-Months 13-Month CD at 4.05% APY, its Visa Signature Rewards Credit Card at 14.24% APR and its Visa Gold Rewards Credit Card at 13.90% APR, verified by MonitorBankRates on November 5, 2026.

Current First Bank & Trust Rates

  • 12-Month CD3.25%
Retrieved from our database of financial products. Rates subject to change.

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