BlastPoint's Banking Scorecard
1st Financial Bank USA
Dakota Dunes, SD
2 branches across SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
- Deposits +9.9% year over year ($1.1B on the books).
- Delinquency rate 1.54%.
- Return on assets 0.98%.
- Efficiency ratio 72.58% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.70% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1st Financial Bank USA has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30.2% in tier
- + Net Interest Margin 5.41% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 8.2% in tier
- - Credit Risk Growth: Bottom 18.9% in tier
- - Liquidity Overhang: Bottom 26.2% in tier
- - Non-Interest-Bearing Deposit Share 19.81% below tier average
- - Efficiency Ratio 12.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.4% YoY
+5.3% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$969.6M
+3.1% YoY
+1.8% QoQ
|
-$993.6M |
$2.0B
-0.3% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$1.1B
+9.9% YoY
+6.8% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
0.98%
-29.3% YoY
-6.3% QoQ
|
-0.41% |
1.39%
+17.0% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
9.28%
-7.1% YoY
-1.7% QoQ
|
+5.41% |
3.87%
+6.2% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Top 0.7% in tier |
| Efficiency Ratio ? |
72.58%
+4.2% YoY
+1.3% QoQ
|
+12.85% |
59.73%
-12.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
1.54%
+16.8% YoY
+11.4% QoQ
|
+0.67% |
0.87%
+11.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
88.70%
-6.2% YoY
-4.7% QoQ
|
+3.66% |
85.04%
-0.1% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
1.46%
+12.7% YoY
-4.1% QoQ
|
-19.81% |
21.27%
-1.5% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
Bottom 1.8% in tier |
| Nonperforming Asset Ratio ? |
1.15%
-11.0% YoY
+1.4% QoQ
|
+0.47% |
0.67%
+11.7% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
21.06%
-0.4% YoY
-1.0% QoQ
|
+6.22% |
14.84%
-0.4% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
Top 6.2% in tier |
| Non-Interest Income / Assets ? |
1.77%
-3.8% YoY
+99.1% QoQ
|
+1.24% |
0.53%
+2.5% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Top 3.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
1.5%
+0.2pp YoY -0.1pp QoQ |
-19.9pp | 21.4% | 23.5% | 22.2% | 1% |
| Brokered Deposits |
76.4%
-0.7pp YoY +1.0pp QoQ |
+66.9pp | 9.5% | 8.7% | 8.5% | 99% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.4%
+0.4pp YoY +0.6pp QoQ |
-10.6pp | 14.0% | 14.1% | 12.5% | 11% |
| CRE |
19.5%
+3.7pp YoY +0.4pp QoQ |
-30.5pp | 50.0% | 31.5% | 41.4% | 4% |
| 1-4 Family |
9.2%
-1.7pp YoY +0.1pp QoQ |
-17.2pp | 26.4% | 14.9% | 31.3% | 14% |
| Consumer |
36.5%
-2.6pp YoY -0.8pp QoQ |
+31.8pp | 4.7% | 8.5% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.1%
-0.1pp YoY -0.2pp QoQ |
+5.5pp | 15.6% | 17.6% | 19.7% | 93% |
| Leverage Ratio |
16.3%
-0.8pp YoY -0.6pp QoQ |
+5.0pp | 11.3% | 11.9% | 12.6% | 95% |
| Total Capital Ratio |
22.3%
-0.1pp YoY -0.2pp QoQ |
+5.6pp | 16.7% | 18.8% | 20.8% | 93% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
312
-17 (-5.2%) YoY -1 (-0.3%) QoQ |
-2 | 313 | 6,279 | 482 | 68% |
| Assets per Employee ($) |
$4.5M
+13.2% YoY +5.7% QoQ |
-$6.0M | $10.5M | $8.1M | $8.8M | 2% |
| Branch Count |
2
0 YoY 0 QoQ |
-18 | 20 | 92 | 18 | 5% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
-0.1pp YoY -0.2pp QoQ |
+0.7pp | 0.2% | 0.2% | 0.4% | 96% |
| Nonaccrual |
0.7%
+0.3pp YoY +0.3pp QoQ |
-0.1pp | 0.8% | 1.0% | 1.0% | 62% |
| Allowance Coverage |
1.17x
-22.9% YoY -11.1% QoQ |
-17.54x | 18.71x | 96.54x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
2.3%
-0.1pp YoY 0.0pp QoQ |
+2.0pp | 0.3% | 0.7% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
-2.4pp YoY -0.3pp QoQ |
-6.7pp | 12.6% | 12.4% | 11.6% | 12% |
| Cost of Funds (YTD) |
3.7%
-0.2pp YoY -0.1pp QoQ |
+1.8pp | 1.9% | 1.7% | 1.7% | 100% |
| Net Income ($, YTD) |
$6.7M
-27.1% YoY — QoQ |
-$12.5M | $19.2M | $418.8M | $40.4M | 21% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.