1st Financial Bank Usa is a bank based in Dakota Dunes, South Dakota, established in 1910, with $1.3 billion in total assets across 2 branches. By Trust Grade it ranks 9th of 56 banks we track in South Dakota. Its capital ratio of 17.1% is stronger than 96% of similarly sized banks, versus a South Dakota median of 10.4%. It was profitable over the most recent period, with a 1.05% return on assets. No consumer complaints against 1st Financial Bank Usa appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How 1st Financial Bank Usa compares to South Dakota peers
How we graded 1st Financial Bank Usa
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.1% capital ratio)
- Strongly profitable (ROA 1.05%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for 1st Financial Bank Usa over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 331 Dakota Dunes Blvd, Dakota Dunes, SD 57049
- 424 Main Street, Dupree, SD 57623
Are deposits at 1st Financial Bank Usa insured?
Yes. 1st Financial Bank Usa is an FDIC-insured bank (FDIC certificate #1673). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
1st Financial Bank Usa: frequently asked questions
Is 1st Financial Bank Usa a good bank?
1st Financial Bank Usa earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.1% capital ratio); Strongly profitable (ROA 1.05%).
Is 1st Financial Bank Usa FDIC-insured?
Yes. 1st Financial Bank Usa is a FDIC-insured bank (FDIC certificate #1673). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is 1st Financial Bank Usa?
1st Financial Bank Usa holds $1.3 billion in total assets, ranking 9th of 56 banks we track in South Dakota. It operates 2 branches.
Does 1st Financial Bank Usa have CFPB complaints?
No CFPB complaints against 1st Financial Bank Usa appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
