BlastPoint's Banking Scorecard
First Bank & Trust
Community
Specialty: Commercial
SD
FDIC cert 3973
Brookings, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
First Bank & Trust faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 15% in Community
- - Margin Compression: Bottom 18% in Community
- - Flatlined Growth: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+0.3% YoY
-0.8% QoQ
|
+$3.3B |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.4B
-2.3% YoY
+0.2% QoQ
|
+$2.5B |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$4.1B
+3.2% YoY
+1.4% QoQ
|
+$2.9B |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.02%
-10.9% YoY
+6.0% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.37%
+17.4% YoY
+2.4% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
63.28%
+6.1% YoY
-1.3% QoQ
|
+0.65% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.30%
+82.4% YoY
-16.5% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
84.11%
-5.3% YoY
-1.2% QoQ
|
+1.05% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
18.58%
+0.7% YoY
+7.2% QoQ
|
-2.46% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.40%
+33.2% YoY
-8.3% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.93%
-37.2% YoY
+36.7% QoQ
|
+0.19% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#67 of 432 · Bottom 15% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#23 of 120 · Bottom 18% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.02%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#98 of 245 · Bottom 40% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.02%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $4.1B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 84.11% · Tier avg: 83.06%
47
47th pctile
Efficiency Ratio
Current: 63.28% · Tier avg: 62.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.58% · Tier avg: 21.05%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.58% · Tier avg: 21.05%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
47
47th pctile
Efficiency Ratio
Current: 63.28% · Tier avg: 62.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 84.11% · Tier avg: 83.06%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
99
99th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
100
100th pctile
Total Deposits
Current: $4.1B · Tier avg: $1.2B