American Bank & Trust vs First National Bank
Comparing a Bank in Sioux Falls, SD with a Bank in Fort Pierre, SD using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| American Bank & Trust ↗ Bank · Sioux Falls, SD · Est. 1892 | First National Bank ↗ Bank · Fort Pierre, SD · Est. 1934 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Sioux Falls, SD | Fort Pierre, SD |
| Total assets | $2.2B | $2.0B |
| Capital ratio | 10.7% | 22.8% |
| Return on assets | 1.2% | 2.5% |
| Deposits | $2.0B | $1.5B |
| Branches | 20 | 20 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 56 | #3 of 56 |
| Established | 1892 | 1934 |
American Bank & Trust
- Assets: $2.2B
- Deposits: $2.0B
- Capital ratio: 10.7%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #1 of 56
First National Bank
- Assets: $2.0B
- Deposits: $1.5B
- Capital ratio: 22.8%
- Return on assets: 2.5%
- CFPB complaints: 0
- State rank: #3 of 56
Are both institutions federally insured?
Yes. American Bank & Trust is FDIC-insured and First National Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, American Bank & Trust or First National Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — American Bank & Trust scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is American Bank & Trust safe?
Yes — American Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First National Bank safe?
Yes — First National Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of American Bank & Trust vs First National Bank?
American Bank & Trust has a capital ratio of 10.7%, placing it in the top 43% of $1B–10B peers. First National Bank's ratio is 22.8%, placing it in the top 1% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does American Bank & Trust have compared to First National Bank?
The CFPB database shows 0 complaints against American Bank & Trust, and 0 complaints against First National Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare American Bank & Trust with other Banks in South Dakota
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
