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1St Financial Bank Usa
Dakota Dunes, SD · FDIC Certificate #1673 · Chartered 01/0
Total assets
$1.40B
Total deposits
$1.09B
Total equity
$227.86M
Net loans
$969.65M
Branches (offices)
2
Net income (YTD)
$6.70M
Rank: #786 of 4,213 U.S. banks by assets · #16 of 56 in South Dakota. Assets changed 7.4% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 5.90% |
| Net interest margin (YTD) | 9.28% |
| Equity to assets | 16.23% |
| Tier 1 leverage ratio | 16.34% |
| Uninsured deposits (share of deposits) | 2.0% |
| Noncurrent loans (share of loans) | 1.51% |
| Net charge-offs (share of loans) | 2.29% |
| Loans to deposits | 88.7% |
| Real estate loans (share of loans) | 28.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $278.56M | 28.7% | |
| Commercial & industrial | $33.21M | 3.4% | |
| Consumer / individual | $354.18M | 36.5% | |
| Construction & development | $159.45M | 16.4% | |
| Agricultural | $5.67M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01B | $748.39M | $7.10M | $198.28M |
| Jun 2023 | $1.12B | $808.59M | $18.40M | $226.23M |
| Jun 2024 | $1.27B | $952.38M | $23.84M | $221.81M |
| Jun 2025 | $1.31B | $994.86M | $9.19M | $224.17M |
| Jun 2026 | $1.40B | $1.09B | $6.70M | $227.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $1.09B | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.09B.
Similar-sized banks
Merrimack County Savings Bank ($1.41B) · Sullivan Bank ($1.40B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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