1st Financial Bank USA (FDIC certificate #1673) is based in Dakota Dunes, South Dakota. Its Q2 2026 call report shows $1.4B in total assets and $1.1B in deposits and 2 offices.
1st Financial Bank USA has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 28th. Capital cushion contributes the most (100/100, 16.34%); loan quality contributes the least (50/100, 1.51%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (78 → 74), mostly because the earnings component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 80 |
| Q4 2024 | 81 |
| Q1 2025 | 79 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.25% |
| Q3 2024 | 16.92% |
| Q4 2024 | 16.65% |
| Q1 2025 | 16.89% |
| Q2 2025 | 17.14% |
| Q3 2025 | 16.88% |
| Q4 2025 | 16.85% |
| Q1 2026 | 16.98% |
| Q2 2026 | 16.34% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.61% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.40% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.78% |
| Q3 2024 | 2.87% |
| Q4 2024 | 2.12% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.05% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.4B | 16.34% | 1.51% | 0.98% | 88.7% |
| Q1 2026 | 75 | $1.3B | 16.98% | 1.36% | 1.05% | 93.1% |
| Q4 2025 | 75 | $1.4B | 16.85% | 1.51% | 1.19% | 91.1% |
| Q3 2025 | 78 | $1.3B | 16.88% | 1.19% | 1.38% | 94.8% |
| Q2 2025 | 78 | $1.3B | 17.14% | 1.29% | 1.39% | 94.5% |
| Q1 2025 | 79 | $1.3B | 16.89% | 1.40% | 1.51% | 88.9% |
| Q4 2024 | 81 | $1.3B | 16.65% | 1.56% | 2.12% | 92.4% |
| Q3 2024 | 80 | $1.3B | 16.92% | 1.61% | 2.87% | 93.4% |
| Q2 2024 | 82 | $1.3B | 17.25% | 1.35% | 3.78% | 97.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Plains Commerce BankBank Sioux Falls, SD | 59 out of 100, Moderate | $1.3B | 10.0% | 1.22% | vs |
| CorTrust Bank National AssociationBank Mitchell, SD | 62 out of 100, Moderate | $1.6B | 9.9% | 0.70% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| Pioneer Bank & TrustBank Belle Fourche, SD | 81 out of 100, Strong | $1.0B | 11.6% | 0.14% | vs |
| BankWest, Inc.Bank Pierre, SD | 38 out of 100, Low | $1.9B | 9.2% | 2.76% | vs |
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
Deposit insurance
Is my money safe at 1st Financial Bank USA?
Yes. 1st Financial Bank USA is an FDIC-insured institution (FDIC certificate #1673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 2.0% of deposits ($22.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.31% (benchmark: 10%).
2 locations
Branches
1st Financial Bank USA lists 2 offices in 2 cities. Most locations:
- Dakota Dunes, SD (1)
- Dupree, SD (1)
Identity & history
Profile
- Legal name
- 1st Financial Bank USA
- Former names
- Farmers' State Bank; 1st Financial Bank South Dakota
- Type
- State-chartered bank
- FDIC certificate #
- 1673
- RSSD ID
- 526452
- Primary regulator
- FDIC
- Established
- January 1, 1910
- Headquarters
- 331 Dakota Dunes Blvd, Dakota Dunes, SD 57049
- Website
- www.1fbusa.com
- Employees
- 312
Quick answers
1st Financial Bank USA: common questions
Is 1st Financial Bank USA FDIC insured?
Yes. 1st Financial Bank USA is an FDIC-insured institution (FDIC certificate #1673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is 1st Financial Bank USA's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has 1st Financial Bank USA ever failed?
There is no failure record for FDIC certificate #1673 in the FDIC failed bank list.
How many branches does 1st Financial Bank USA have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dakota Dunes
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Siouxland BankBank South Sioux City, NE | 88 out of 100, Very strong | $88.3M | 12.4% | 0.00% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| F&M BankBank West Point, NE | 83 out of 100, Strong | $354.6M | 11.8% | 0.07% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |