1st Financial Bank USA

331 North Dakota Dunes Boulevard
Dakota Dunes, SD 57049

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1673
Date Established 1910
Assets $0.69 billion
Loans $0.50 billion
Deposits $0.50 billion
Capital $0.14 billion

1st Financial Bank USA is an FDIC insured institution located in Dakota Dunes, SD. It was founded in 1910 and has approximately $0.69 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of 1st Financial Bank USA's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in 1st Financial Bank USA’s loan portfolio are Credit Card Loans, Construction and Development Loans, and Farm Loans.

Compared to other banks in South Dakota, 1st Financial Bank USA has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.03
Multifamily
Mortgages
0.00
Credit Card Loans 100.00
Consumer Auto Loans 0.05
Small Business Loans 0.15
Construction and Development Loans 2.28
Commercial Real Estate 0.15
Commercial and Industrial Loans 0.28
Farm Loans 1.13

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
1.30% $100 - Learn MoreShow Less
6 Mo CD 10K
1.41% $100 - Learn MoreShow Less
06MCD100K
1.46% $100 $9,999,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.75% $50 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
FIXIRA0K
1.76% $100 $9,999,999 Learn MoreShow Less
Fixed IRA 0K
1.70% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.85% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.30% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st Financial Bank USA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to 1st Financial Bank USA
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

1st Financial Bank USA branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


1st Financial Bank Usa Locations

Financial Details

1st Financial Bank USA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Financial Bank USA. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Financial Bank USA U.S. Bank Average
8.26% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, 1st Financial Bank USA had $13,878,000 in non-current loans and $71,000 in owned real estate. To cover these potential losses it had $143,047,000 in equity and $25,759,000 in loans loss reserves. That gives it a Texas Ratio of 8.26%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
1st Financial Bank USA U.S. Bank Average
5.44% 8.58

1st Financial Bank USA has a Return on Equity of 5.44% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
1st Financial Bank USA U.S. Bank Average
20.85% 12.11

1st Financial Bank USA has a Capitalization of 20.85% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Financial Bank USA Balance Sheet Analysis

As of June 30, 2017, 1st Financial Bank USA had assets of $685,978,000, loans of $499,229,000, and deposits of $502,671,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About 1st Financial Bank USA

Branches and Savings

Is 1st Financial Bank USA FDIC insured?

Yes. It is covered under FDIC Certificate #1673.

Why does 1st Financial Bank USA pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Financial Bank USA CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Financial Bank USA a commercial bank?

Yes

Where are 1st Financial Bank USA locations?

See branch locations nearby.

Is 1st Financial Bank USA open on Saturdays?

Is 1st Financial Bank USA open on Sundays?

What time does 1st Financial Bank USA open?

What time does 1st Financial Bank USA close?

Are 1st Financial Bank USA ATMs Open 24/7?

Do 1st Financial Bank USA ATMs accept cash deposits?

Can 1st Financial Bank USA customers use other ATMs?

Do 1st Financial Bank USA branches have notaries?

Will 1st Financial Bank USA notarize my document?

What address for 1st Financial Bank USA should I put for incoming ACH transfers?

Will the 1st Financial Bank USA branch print checks?

Do 1st Financial Bank USA checks expire?

Does 1st Financial Bank USA require US citizenship to open account?

Can 1st Financial Bank USA close my account?

Does 1st Financial Bank USA Report to credit bureaus?

Does 1st Financial Bank USA Use Equifax?

What is 1st Financial Bank USA's ACH Routing Number?

What is 1st Financial Bank USA's SWIFT code?

Products

Does 1st Financial Bank USA offer mortgages?

Compare mortgage rates here.

Does 1st Financial Bank USA offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Financial Bank USA offer personal loans?

Compare personal loan rates here.

Does 1st Financial Bank USA offer student loans?

Will 1st Financial Bank USA cash a check?

Will 1st Financial Bank USA redeem a savings bond?

Does 1st Financial Bank USA cash savings bonds?

Will 1st Financial Bank USA cash money orders?

Can 1st Financial Bank USA issue a money order?

Does 1st Financial Bank USA do currency exchange?

Background on The Bank

Who owns 1st Financial Bank USA?

How long has 1st Financial Bank USA been around?

Can 1st Financial Bank USA transfer to other banks?

Does 1st Financial Bank USA have quick pay?

Does 1st Financial Bank USA accept rolled coins?

Will 1st Financial Bank USA accept loose change?

Where is 1st Financial Bank USA headquarters?

Customer Reviews for 1st Financial Bank USA

There are currently no comments for 1st Financial Bank USA. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →