1ST FINANCIAL BANK USA
DAKOTA DUNES, SOUTH DAKOTA · FDIC Cert #1673
Capital & Safety Analysis
According to FDIC financial data, 1ST FINANCIAL BANK USA holds a Tier 1 capital ratio of 20.81%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning 1ST FINANCIAL BANK USA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
1ST FINANCIAL BANK USA shows strong financial health indicators. With $1.3B in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
1ST FINANCIAL BANK USA has a Bank Health Score of B (74/100). It holds a Tier 1 capital ratio of 20.81%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
1ST FINANCIAL BANK USA holds $1.3B in total assets and $952M in total deposits. It is located in DAKOTA DUNES, SOUTH DAKOTA (FDIC Certificate #1673).
1ST FINANCIAL BANK USA has a Tier 1 capital ratio of 20.81%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.35%, and the return on assets is 5.13%.
Yes. 1ST FINANCIAL BANK USA is FDIC-insured (Certificate #1673). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.