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First Bank & Trust
Brookings, SD·FDIC Cert #3973·Charter: STATE·Est. 19251102.0·HC: FISHBACK FINANCIAL CORP
Total Assets
$4.7B
Q4 2025
Return on Assets
1.02%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.28%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.02%+0.06
ROE
9.39%+0.45
Efficiency
63.28%-0.85
Equity/Assets
0.00%+0.00
NPL Ratio
0.30%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.11%-0.99
Charge-offs
0.07%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.3 | 1.4 | 1.2 | 1.1 | 0.9 | 0.9 | 1.0 | 1.0 |
| ROE | 23.4 | 14.5 | 12.3 | 11.3 | 8.6 | 8.3 | 8.9 | 9.4 |
| Efficiency | 42.9 | 53.5 | 57.4 | 59.7 | 66.4 | 65.9 | 64.1 | 63.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.4 | 0.3 |
| Charge-offs | 0.3 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 88.6 | 92.7 | 90.2 | 88.8 | 84.6 | 84.8 | 85.1 | 84.1 |
Balance Sheet
Total Assets$4.7B
Total Deposits$4.1B
Total Loans$3.4B
Total Equity$528.7M
Profitability
ROA1.02%
ROE9.39%
Efficiency Ratio63.28%
Net Income$48.1M
Risk & Asset Quality
NPL Ratio0.30%
Charge-off Rate0.07%
Loan/Deposit84.11%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans