First Bank&Trust (FDIC #3973): Bank Stress & Real-Estate Credit Exposure
First Bank&Trust (FDIC Cert #3973): bank stress 60/100, elevated, STABLE over 7 days; parent FISHBACK FINANCIAL CORP.
First Bank&Trust (#3973) lends in 15 counties across 2 states; First Bank&Trust (#3973) reaches 239 ZIP codes: South Dakota 8 counties, 87 ZIPs; Minnesota 7 counties, 153 ZIPs.
First Bank&Trust (#3973) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#3973), Ramsey County, MN (27 branches, 27 ZIPs) (#3973), Minnehaha County, SD (92 branches, 23 ZIPs) (#3973), Anoka County, MN (20 branches, 20 ZIPs) (#3973), Lake County, SD (14 branches, 14 ZIPs) (#3973), Isanti County, MN (13 branches, 13 ZIPs) (#3973).
First Bank&Trust (#3973) reports $4.78 billion in total assets; First Bank&Trust (#3973) equity $539.4 million (11.3% of First Bank&Trust (#3973) assets); First Bank&Trust (#3973) domestic deposits $4.17 billion; First Bank&Trust (#3973) net income $31.3 million; First Bank&Trust (#3973) return on assets 1.31%; First Bank&Trust (#3973) return on equity 11.72%; First Bank&Trust (#3973) net interest income $83.4 million; First Bank&Trust (#3973) call report June 30, 2026.
First Bank&Trust (#3973) noncurrent real-estate loans: none reported; First Bank&Trust (#3973) net charge-offs on real estate 0.44%; First Bank&Trust (#3973) residential charge-offs 0.78%.
First Bank&Trust (#3973) net interest margin 3.76% against an eight-quarter First Bank&Trust (#3973) average of 3.25% (First Bank&Trust (#3973) compression -0.50 points); First Bank&Trust (#3973) non-residential real estate 78.4% of equity; First Bank&Trust (#3973) rate-exposure score 40/100, First Bank&Trust (#3973) fixed-rate trap 40/100; First Bank&Trust (#3973) risk type credit driven; First Bank&Trust (#3973) rate regime rates elevated, First Bank&Trust (#3973) snapshot October 19, 2026.
First Bank&Trust (#3973) stress score moved from 59.5 on June 22, 2026 to 59.9 on October 19, 2026; First Bank&Trust (#3973) ranged 59.5 to 59.9 over 116 snapshots.
First Bank&Trust (#3973) alerts: 15 counties; top First Bank&Trust (#3973) alert scores: Cambridge County, SD 21 (low); Canton County, SD 21 (low); Cedar County, SD 21 (low); Madison County, SD 21 (low); Milbank County, SD 21 (low).