First Bank & Trust Mortgage Rates, Fees & Info

Brookings, SD

LEI: 549300IQ5NY7CSJLZW53

Tax ID: 46-0187030

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Bank Data

Review & Overview

First Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. First Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Brookings, Minneapolis, Bemidji, St. Cloud, and Sioux Falls among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Bank & Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. First Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.80% 3/24/24
30 Year Conventional Purchase 6.48% 3/24/24
30 Year Conventional Refi 6.45% 3/24/24
30 Year Cash-out Refi 6.47% 3/24/24
30 Year FHA Purchase 7.03% 3/24/24
30 Year VA Purchase 5.73% 3/24/24
30 Year VA Refi 5.47% 3/24/24
30 Year USDA Purchase 6.47% 3/24/24
15 Year Conventional Purchase 5.89% 3/24/24
15 Year Conventional Refi 5.89% 3/24/24
15 Year Cash-out Refi 5.89% 3/24/24
15 Year VA Purchase 5.76% 3/24/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Bank & Trust Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

640

Origination Dollar Volume (All Markets)

$146,750,000

Employee count

247 Show all (8) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Brookings, SD (FHA|USDA|VA) 267 $50,845,000 $190,431 $3,784 4.20%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 90 $32,570,000 $361,889 $4,274 4.64%
Outside of Metro Areas 194 $26,450,000 $136,340 $3,631 4.36%
Bemidji, MN (FHA|USDA|VA) 1 $12,905,000 $12,905,000 $0 4.10%
ST. CLOUD, MN (FHA|USDA|VA) 4 $8,540,000 $2,135,000 $5,513 4.49%
SIOUX FALLS, SD (FHA|USDA|VA) 18 $4,880,000 $271,111 $3,930 3.87%
Watertown, SD (FHA|USDA|VA) 16 $2,850,000 $178,125 $4,398 4.17%
Vermillion, SD (FHA|USDA|VA) 17 $2,765,000 $162,647 $4,437 4.24%
RAPID CITY, SD (FHA|USDA|VA) 5 $815,000 $163,000 $4,052 5.38%
Brainerd, MN (FHA|USDA|VA) 3 $575,000 $191,667 $4,668 4.33%
Yankton, SD (FHA|USDA|VA) 2 $470,000 $235,000 $4,499 3.56%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $450,000 $225,000 $4,285 3.63%
Faribault-Northfield, MN (FHA|USDA|VA) 4 $400,000 $100,000 $2,215 5.78%
Spearfish, SD (FHA|USDA|VA) 2 $340,000 $170,000 $4,757 3.94%
MANKATO, MN (FHA|USDA|VA) 3 $335,000 $111,667 $8,830 4.69%
Fergus Falls, MN (FHA|USDA|VA) 2 $280,000 $140,000 $3,493 4.44%
Pierre, SD (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.75%
Mitchell, SD (FHA|USDA|VA) 1 $225,000 $225,000 $1,927 3.63%
Alexandria, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,528 3.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.00%
Marshall, MN (FHA|USDA|VA) 1 $135,000 $135,000 $4,809 3.50%
Aberdeen, SD (FHA|USDA|VA) 1 $115,000 $115,000 $3,987 3.63%
Hutchinson, MN (FHA|USDA|VA) 1 $105,000 $105,000 $1,880 3.63%
Minot, ND (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.75%
Huron, SD (FHA|USDA|VA) 1 $65,000 $65,000 $2,770 3.50%
First Bank & Trust's top markets include Brookings, Minneapolis, Bemidji, St. Cloud, and Sioux Falls among others.

Their top states include:
  • South Dakota (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Dakota (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 568 $135,430,000 $238,433 $3,512 4.42%
    USDA 40 $4,990,000 $124,750 $4,711 3.63%
    FHA 17 $3,175,000 $186,765 $7,388 3.57%
    VA 15 $3,155,000 $210,333 $7,272 3.58%

    For 2019, First Bank & Trust's most frequently originated type of loan was Conventional, with 568 originations. Their 2nd most popular type was USDA, with 40 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 390 $95,620,000 $245,179 $4,446 4.29%
    Refi 132 $32,540,000 $246,515 $2,881 4.45%
    Cash Out Refi 89 $16,855,000 $189,382 $3,721 3.83%
    Home Improvement 20 $820,000 $41,000 $663 5.84%
    Other 9 $915,000 $101,667 $1,704 5.46%

    For 2019, First Bank & Trust's most frequently cited loan purpose was Home Purchase, with 390 originations. The 2nd most popular reason was Refi, with 132 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 369 $73,255,000 $198,523 $4,317 3.97%
    15 Year 104 $17,620,000 $169,423 $3,296 4.29%
    20 Year 50 $7,970,000 $159,400 $3,257 4.31%
    Other 43 $11,805,000 $274,535 $1,049 5.64%
    10 Year 28 $25,820,000 $922,143 $578 5.37%
    1 Year 25 $4,335,000 $173,400 $0 5.24%
    5 Year 19 $5,935,000 $312,368 $412 5.38%
    3 Year 2 $10,000 $5,000 $102 7.00%

    For 2019, First Bank & Trust's most frequently cited loan duration was 30 Year, with 369 originations. The 2nd most popular length was 15 Year, with 104 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 187 $27,505,000 $147,086
    $2k-3k 141 $29,875,000 $211,879
    $<1k 120 $14,370,000 $119,750
    $3k-4k 63 $18,025,000 $286,111
    $4k-5k 13 $5,625,000 $432,692
    $5k+ 4 $2,370,000 $592,500

    First Bank & Trust's average total fees were $4,317, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 187 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 318 $64,710,000 $203,491
    4-5% 167 $65,005,000 $389,251
    5-6% 101 $10,445,000 $103,416
    6-7% 29 $2,275,000 $78,448
    2.5-3% 20 $4,230,000 $211,500
    7-8% 3 $65,000 $21,667
    Over 8% 2 $20,000 $10,000

    During 2019, First Bank & Trust's average interest rate for loans was 3.97%, while their most frequently originated rate bucket for loans was 3-4%, with 318 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 251 $37,575,000 $149,701 $3,861 4.12%
    $200k-400k 189 $49,785,000 $263,413 $4,769 3.95%
    $100,000 or less 165 $9,085,000 $55,061 $1,928 5.09%
    $400k-600k 20 $9,100,000 $455,000 $5,231 3.86%
    $1MM+ 11 $38,195,000 $3,472,273 $0 4.46%
    $600k-1MM 4 $3,010,000 $752,500 $7,805 5.28%

    2019 saw First Bank & Trust place emphasis on $100k-200k loans with 251 originations, totaling $37,575,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 152 $20,890,000 $137,434 $3,839 4.26%
    $100k-150k 119 $25,275,000 $212,395 $4,329 4.19%
    $75k-100k 94 $15,260,000 $162,340 $3,883 4.41%
    $50k or less 92 $8,700,000 $94,565 $3,174 4.37%
    $150k-250k 68 $16,280,000 $239,412 $4,185 4.13%
    $250k+ 30 $10,100,000 $336,667 $5,564 4.22%

    First Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 152 originations. The second most popular income band? $100k-150k, with 119 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 154 $26,200,000 $170,130 $3,666 3.97%
    30-36% 123 $23,925,000 $194,512 $3,858 4.13%
    <20% 84 $16,330,000 $194,405 $3,600 4.11%
    38% 22 $3,770,000 $171,364 $3,934 4.24%
    40% 22 $3,930,000 $178,636 $4,018 4.22%
    37% 19 $3,275,000 $172,368 $4,429 4.31%
    36% 19 $3,005,000 $158,158 $4,064 4.11%
    39% 18 $2,740,000 $152,222 $3,917 4.60%
    41% 15 $3,205,000 $213,667 $4,195 3.98%
    42% 13 $2,135,000 $164,231 $2,884 4.57%
    44% 10 $1,970,000 $197,000 $4,073 4.30%
    43% 9 $1,555,000 $172,778 $4,649 3.82%
    45% 8 $1,510,000 $188,750 $4,658 3.92%
    46% 7 $1,365,000 $195,000 $4,126 3.86%
    47% 6 $1,830,000 $305,000 $4,546 4.33%
    49% 5 $945,000 $189,000 $5,704 3.68%
    50-60% 3 $485,000 $161,667 $4,091 5.08%
    >60% 3 $685,000 $228,333 $4,753 5.59%
    48% 2 $340,000 $170,000 $3,917 3.94%

    First Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 154 originations. The next most common DTI ratio? 30-36%, with 123 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 573 $100,695,000 $175,733 $3,836 4.24%
    Not applicable 44 $42,370,000 $962,955 $0 5.27%
    Not provided 18 $2,610,000 $145,000 $3,677 4.73%
    Asian 1 $595,000 $595,000 $9,838 5.13%
    American Indian 2 $300,000 $150,000 $5,215 4.44%
    Native Hawaiian or Islander 1 $145,000 $145,000 $4,906 3.75%
    Black 1 $35,000 $35,000 $2,729 4.00%

    Approval Rates

    Total approvals of all applications
    94.98%

    First Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.78%

    First Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $15,000 $15,000
    NA 639 $146,735,000 $229,632

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $65,000 $21,667
    Multifamily:Site-Built 17 $38,935,000 $2,290,294
    Single Family (1-4 Units):Manufactured 8 $820,000 $102,500
    Single Family (1-4 Units):Site-Built 612 $106,930,000 $174,722

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 43 $6,505,000 $151,279 $2,110 4.84%
    40-60% 65 $13,695,000 $210,692 $3,260 4.14%
    60-80% 224 $64,630,000 $288,527 $3,766 4.29%
    80-100% 261 $59,775,000 $229,023 $4,627 4.06%
    Over 100% 3 $565,000 $188,333 $8,057 3.54%
    Under 20% 44 $1,580,000 $35,909 $344 5.87%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK VA mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 3 20.0%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK FHA mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Bank & Trust 700 22nd Avenue South Brookings, SD 57006 Full Service Retail $21,414
    First Bank & Trust 101 Second Street, N.W. Pipestone, MN 56164 Full Service B&M $171,895
    First Bank & Trust 102 South Main Street Stockholm, SD 57265 Full Service B&M $16,597
    First Bank & Trust 1101 First Street Se New Prague, MN 56071 Full Service B&M $105,030
    First Bank & Trust 1909 Highway 36 West Roseville, MN 55113 Full Service B&M $31,894
    First Bank & Trust 20 East Main St Vermillion, SD 57069 Full Service B&M $56,065
    First Bank & Trust 209 South Rum River Drive Princeton, MN 55371 Full Service B&M $35,874
    First Bank & Trust 21420 Aberdeen Street Cedar, MN 55011 Full Service B&M $32,872
    First Bank & Trust 215 West Fourth Avenue Milbank, SD 57252 Full Service B&M $90,228
    First Bank & Trust 2220 Sixth Street Brookings, SD 57006 Full Service B&M $55,245
    First Bank & Trust 2233 6th Street Brookings, SD 57006 Full Service Retail $10,863
    First Bank & Trust 234 First Avenue East Cambridge, MN 55008 Full Service B&M $99,966
    First Bank & Trust 301 West Main Street White, SD 57276 Full Service B&M $24,430
    First Bank & Trust 3316 West 66th Street, Suite 100 Edina, MN 55435 Full Service B&M $57,567
    First Bank & Trust 445 Main Ave. Toronto, SD 57268 Full Service B&M $42,397
    First Bank & Trust 520 6th Street Brookings, SD 57006 Full Service B&M $816,754

    For 2019, First Bank & Trust had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $86,290
    Net interest income $68,815
    Total noninterest income $20,434
    Gross Fiduciary activities income $5,679
    Service charges on deposit accounts $2,164
    Trading account gains and fees $0
    Additional Noninterest Income $12,591
    Pre-tax net operating income $31,630
    Securities gains (or losses, -) $13
    Income before extraordinary items $25,224
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $25,224
    Minority interest net income $0
    Net income $25,224
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $25,213

    First Bank & Trust's gross interest income from loans was $86,290,000.
    First Bank & Trust's net interest income from loans was $68,815,000.
    First Bank & Trust's fee based income from loans was $2,164,000.
    First Bank & Trust's net income from loans was $25,224,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $17,475
    Provision for credit losses $3,275
    Total noninterest expense $54,344
    Salaries and employee benefits $22,488
    Premises and equipment expense $4,531
    Additional noninterest expense $27,325
    Applicable income taxes $6,419
    Net charge-offs $128
    Cash dividends $7,300

    First Bank & Trust's interest expense for loans was $17,475,000.
    First Bank & Trust's payroll and benefits expense were $22,488,000.
    First Bank & Trust's property, plant and equipment expenses $4,531,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.2%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,760,189
    Deposits held in domestic offices $1,760,189
    Deposits by Individuals, partnerships, and corporations $1,453,438
    Deposits by U.S. Government $242
    Deposits by States and political subdivisions in the U.S. $255,583
    Deposits by Commercial banks and other depository institutions in U.S. $50,926
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $171,364
    Demand deposits $119,693
    Nontransaction accounts $1,588,825
    Money market deposit accounts (MMDAs) $643,818
    Other savings deposits (excluding MMDAs) $493,320
    Total time deposits $451,688
    Total time and savings deposits $1,640,496
    Noninterest-bearing deposits $320,077
    Interest-bearing deposits $1,440,112
    Retail deposits $1,590,018
    IRAs and Keogh plan accounts $42,941
    Brokered deposits $55,070
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,069,570
    Cash & Balances due from depository institutions $100,856
    Interest-bearing balances $73,132
    Total securities $316,175
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,516,763
    Loan and leases loss allowance $18,556
    Trading account assets $0
    Bank premises and fixed assets $20,316
    Other real estate owned $113
    Goodwill and other intangibles $36,816
    All other assets $78,531

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,069,570
    Total Liabilities $1,839,500
    Total deposits $1,760,189
    Interest-bearing deposits $1,440,112
    Deposits held in domestic offices $1,760,189
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $11,460
    Trading liabilities $0
    Other borrowed funds $42,200
    Subordinated debt $0
    All other liabilities $25,651

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,516,763
    Loan and leases loss allowance $18,556
    Total loans and leases (domestic) $1,535,319
    All real estate loans $966,280
    Real estate loans in domestic offices $966,280
    Construction and development loans $70,283
    Residential 1-4 family construction $16,725
    Other construction, all land development and other land $53,558
    Loans secured by nonfarm nonresidential properties $391,039
    Nonfarm nonresidential secured by owner-occupied properties $193,356
    Commercial real estate & other non-farm, non-residential $197,683
    Multifamily residential real estate $151,101
    1-4 family residential loans $153,620
    Farmland loans $200,237
    Loans held in foreign offices $0
    Farm loans $139,195
    Commercial and industrial loans $237,042
    To non-U.S. addressees $0
    Loans to individuals $52,855
    Credit card loans $26,899
    Related Plans $616
    Consumer Auto Loans $14,267
    Other loans to individuals $11,073
    All other loans & leases $139,947
    Loans to foreign governments and official institutions $0
    Other loans $88,882
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $5,386
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,024
    Non 1-4 family restructured loans & leases $4,993
    Total loans and leases (foreign) $0

    First Bank & Trust had $1,516,763,000 of loans outstanding in 2019. $966,280,000 of loans were in real estate loans. $70,283,000 of loans were in development loans. $151,101,000 of loans were in multifamily mortgage loans. $153,620,000 of loans were in 1-4 family mortgage loans. $139,195,000 of loans were in farm loans. $26,899,000 of loans were in credit card loans. $14,267,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 368 $78,046 $212,082
    Nonfarm, nonresidential loans - <$100k 96 $3,961 $41,260
    Nonfarm, nonresidential loans - $100-250k 113 $13,830 $122,389
    Nonfarm, nonresidential loans - $250k-1MM 159 $60,255 $378,962
    Commercial & Industrial, US addressed loans - <$1MM 773 $69,212 $89,537
    Commercial & Industrial, US addressed loans - <$100k 465 $10,955 $23,559
    Commercial & Industrial, US addressed loans - $100-250k 152 $14,208 $93,474
    Commercial & Industrial, US addressed loans - $250k-1MM 156 $44,049 $282,365
    Farmland loans - <$1MM 317 $47,220 $148,959
    Farmland loans - <$100k 74 $2,762 $37,324
    Farmland loans - $100-250k 153 $18,111 $118,373
    Farmland loans - $250k-1MM 90 $26,347 $292,744
    Agriculture operations loans - <$1MM 526 $36,043 $68,523
    Agriculture operations loans - <$100k 318 $7,210 $22,673
    Agriculture operations loans - $100-250k 114 $9,883 $86,693
    Agriculture operations loans - $250k-1MM 94 $18,950 $201,596