Bank · FDIC insured
1st Financial Bank USA
A $1.4B bank headquartered in Dakota Dunes, SD, with 2 branches in South Dakota.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1st Financial Bank USA
1st Financial Bank USA specializes in student financial services, credit cards, and credit-building solutions designed specifically for college students.
- Headquarters
- 331 Dakota Dunes Blvd, Dakota Dunes, SD 57049
- FDIC certificate
- 1673 ↗
Branches
2 branches in South Dakota
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South Dakota
2 branches
Dakota Dunes area · 1
- 1st Financial Bank USAMain office331 Dakota Dunes Blvd, Dakota Dunes, SD 57049Directions
Dupree area · 1
- Dupree Branch424 Main Street, Dupree, SD 57623Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 16.34% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.51% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.98% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio16.34%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.51%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1st Financial Bank USA are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.