Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST BANK&TRUST

FDIC #3973 · SD · period 20260630

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Total assets1,318,145-3.19% YoY

Total deposits1,133,534-3.21% YoY

Net loans and leases949,924-2.56% YoY

Return on assets1.08%-5.37% YoY

Return on equity9.72%-4.33% YoY

Net interest margin3.71%-0.11% YoY

Peer position

Return on assets56thin line · n=902

Return on equity48thin line · n=894

Net interest margin53rdin line · n=902

Equity to assets64thin line · n=894

Noncurrent loans59thin line · n=887

Liquid assets47thin line · n=895

Brokered deposits44thin line · n=890

Loans to deposits57thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,318,145	1,133,534	949,924	1.08	9.72	3.71
2016-06-30	1,341,282	1,132,716	992,898	1.13	10.13	3.78
2016-09-30	1,337,905	1,142,882	992,880	1.18	10.45	3.81
2016-12-31	1,357,977	1,153,624	1,010,757	1.20	10.64	3.82
2017-03-31	1,361,511	1,171,182	974,872	1.15	10.16	3.72
2017-06-30	1,384,320	1,163,168	1,034,240	1.25	11.03	3.80
2017-09-30	1,391,022	1,161,936	1,058,561	1.30	11.33	3.84
2017-12-31	1,809,405	1,501,944	1,328,835	1.12	9.95	3.76
2018-03-31	1,770,050	1,543,746	1,299,701	1.30	11.95	3.84
2018-06-30	1,828,599	1,535,245	1,358,591	1.35	12.41	3.97
2018-09-30	1,897,541	1,663,067	1,400,794	1.36	12.55	3.94
2018-12-31	1,952,920	1,675,489	1,473,055	1.38	12.77	3.92
2019-03-31	1,951,101	1,669,395	1,458,816	1.24	11.38	3.70
2019-06-30	1,958,396	1,669,091	1,464,158	1.28	11.63	3.80
2019-09-30	1,996,248	1,698,686	1,466,917	1.26	11.40	3.81
2019-12-31	2,069,570	1,760,189	1,516,763	1.27	11.45	3.77
2020-03-31	2,069,068	1,765,337	1,521,037	1.11	9.83	3.59
2020-06-30	2,268,682	1,948,317	1,658,752	0.99	8.92	3.55
2020-09-30	2,279,502	1,952,716	1,685,331	1.13	10.18	3.54
2020-12-31	3,647,138	3,165,254	2,580,292	1.28	11.38	3.89
2021-03-31	3,751,579	3,298,484	2,590,464	1.48	13.94	3.84
2021-06-30	3,833,678	3,374,347	2,652,990	1.46	13.88	3.89
2021-09-30	3,925,036	3,471,155	2,727,651	1.52	14.48	3.97
2021-12-31	4,059,403	3,595,859	2,835,509	1.48	14.18	3.96
2022-03-31	4,143,774	3,681,794	2,812,839	1.40	13.95	3.78
2022-06-30	4,181,748	3,694,081	2,969,165	1.40	14.11	3.86
2022-09-30	4,224,570	3,658,935	3,026,810	1.40	14.20	3.92
2022-12-31	4,377,534	3,645,231	3,175,729	1.35	13.74	3.88
2023-03-31	4,284,964	3,729,866	3,107,711	1.02	10.35	3.42
2023-06-30	4,416,577	3,832,121	3,240,446	0.97	9.86	3.30
2023-09-30	4,550,620	3,783,095	3,367,284	0.90	9.27	3.21
2023-12-31	4,701,349	3,848,305	3,513,928	0.84	8.63	3.09
2024-03-31	4,633,839	3,924,245	3,478,839	2.29	23.35	2.65
2024-06-30	4,694,783	3,801,991	3,523,926	1.43	14.50	2.70
2024-09-30	4,703,553	3,916,000	3,532,430	1.24	12.34	2.78
2024-12-31	4,684,374	3,960,264	3,517,481	1.14	11.28	2.87
2025-03-31	4,786,044	4,083,689	3,456,018	0.91	8.61	3.12
2025-06-30	4,748,100	4,055,981	3,440,307	0.88	8.30	3.20
2025-09-30	4,735,956	4,030,731	3,429,965	0.96	8.94	3.29
2025-12-31	4,697,206	4,087,092	3,437,547	1.02	9.39	3.37
2026-03-31	4,868,698	4,257,105	3,430,617	1.30	11.72	3.65
2026-06-30	4,784,894	4,168,214	3,527,326	1.31	11.72	3.76

Structure and branch footprint

22 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2021-12-04	1	5687974	77851
2020-10-17	1	550756	77851
2017-12-02	1	151751	77851
2017-12-02	1	873950	77851
2015-08-15	1	755850	77851
2015-08-15	1	372556	77851
2012-05-05	1	439459	77851
2000-11-18	9	529051	77851
1993-02-01	1	433671	77851

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.