Applications / Mortgage Analytics / Lenders / South Dakota / First Bank & Trust / Competition
First Bank & Trust
Brookings, SD · State non-member bank · FDIC · $4.7 billion assets · 1,306 loans in 2025
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1,306
loans originated, 2025
1,868
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Who First Bank & Trust competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO SOUTH DAKOTA, 2025
First Bank & Trust ranks 1st of 239 lenders in non-metro South Dakota, with $109.3M lent: 7.4% of a $1.47B market.
non-metro South Dakota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SIOUX FALLS, MN-SD, 2025
First Bank & Trust ranks 5th of 204 lenders in Sioux Falls, MN-SD, with $102.7M lent: 4.8% of a $2.14B market.
Sioux Falls, MN-SD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
First Bank & Trust ranks 103rd of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $44.1M lent: 0.2% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO MINNESOTA, 2025
First Bank & Trust ranks 72nd of 536 lenders in non-metro Minnesota, with $16.7M lent: 0.3% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO IOWA, 2025
First Bank & Trust ranks 201st of 465 lenders in non-metro Iowa, with $1.9M lent: 0.1% of a $3.38B market.
non-metro Iowa is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — FRESNO, CA, 2025
First Bank & Trust ranks 307th of 409 lenders in Fresno, CA, with $565K lent: 0.0% of a $5.72B market.
Fresno, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — RICHMOND, VA, 2025
First Bank & Trust ranks 455th of 551 lenders in Richmond, VA, with $415K lent: 0.0% of a $11.70B market.
Richmond, VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BILLINGS, MT, 2025
First Bank & Trust ranks 170th of 201 lenders in Billings, MT, with $305K lent: 0.0% of a $1.35B market.
Billings, MT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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First Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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