No stored Google rating available.
Regional bank with locations across South Dakota offering personal banking, mortgages, business services, and wealth management through multiple service lines.
Data compiled from public sources
American Bank & Trust (AB&T) is a South Dakota-based bank operating multiple branches in Sioux Falls, Pierre, Huron, and other locations. The institution has been established long enough to develop a documented history and mission statement, positioning itself as a community-focused financial institution. AB&T offers a comprehensive suite of banking products including personal checking and savings accounts, mortgages, business banking, agricultural lending, trust and wealth management services, and treasury management for business clients.
The bank provides digital banking options through AB&T Online and AB&T Online Plus platforms, mobile banking enrollment, and eStatement access. AB&T distinguishes itself through localized lending experience context, particularly in agricultural and rural lending (Rural Development Loans, Crop & Livestock Insurance), construction financing (All-In-One Construction Loans), and first-time homebuyer programs through South Dakota Housing Development Authority partnership. 00% APY).
This is state-level context for Banks consumers in Sioux Falls, SD. It does not confirm that American Bank & Trust or this specific location is licensed.
State regulator
South Dakota Division of Banking
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
American Bank & Trust processed 428 mortgage applications in 2023, with 92.8% recorded as approved across 12 states.
428
Applications
92.8%
Approval Rate
$421K
Avg Loan
12
States Served
Based on 428 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
American Bank & Trust offers 12 services including Personal Checking and Savings Accounts, Personal Loans and Credit Cards, Debit Cards with rewards promotion, Mortgage products (Conventional, FHA, VA, ARM, Construction, Bridge, HELOC, Jumbo, Lot, Rural Development loans), Business Checking and Savings Accounts, and 7 more.
American Bank & Trust has profile signals associated with South Dakota-based small business owners seeking local relationship banking and agricultural lending, Homebuilders and construction borrowers needing listed construction loan products with local experience context, Agricultural and rural landowners requiring crop insurance, livestock loans, and Rural Development financing, Customers prioritizing in-person banking relationships and local community bank service over digital-only convenience.
Key strengths: Multiple South Dakota locations providing in-person service and local lending experience context; listed agricultural and rural lending products (Rural Development Loans, Crop & Livestock Insurance); Competitive CD rates advertised at 3.70-3.80% APY with FlexAdvantage penalty-free withdrawal options. Areas to consider: Limited geographic footprint restricted to South Dakota locations only, not suitable for customers needing nationwide branch access; Website does not disclose specific APR ranges, annual fees, or minimum balance requirements for checking/savings accounts.
In the Banks category, comparable providers include Andes State Bank, Bankstar Financial, Bankwest, Inc.. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
AB&T is best suited for South Dakota residents and rural/agricultural customers seeking community-based banking with local lending experience context and listed products like construction financing and farm lending. Primary caveat: geographic limitation to South Dakota and lack of listed fee/rate disclosure on website makes comparison shopping difficult; customers should contact branches directly for specific terms.
Andes State Bank is a traditional community bank offering checking, savings, loans, and digital banking services with local branch presence and personalized customer service.
Profile signals: Local community members seeking personalized banking relationships and branch access, Customers needing multiple loan products (auto, home, personal) from a single institution
BankStar Financial is a locally-owned community bank operating three branches in South Dakota (Brookings, Elkton, Volga) offering checking, savings, CDs, and cash management services.
Profile signals: South Dakota residents in Brookings, Elkton, or Volga areas seeking community bank relationships, Small business owners needing local banking with cash management services
South Dakota-based bank offering personal and business banking, loans, mortgages, and wealth management services with 135+ years of local community presence.
Profile signals: South Dakota residents seeking comprehensive personal and business banking with local decision-making, Agricultural businesses and farmers needing listed ag lending and farm insurance products
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