BlastPoint's Banking Scorecard
1st Financial Bank USA
Dakota Dunes, SD
2 branches across SD
1st Financial Bank USA has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29.4% in tier
- + Net Interest Margin 5.63% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 2.4% in tier
- - Liquidity Overhang: Bottom 17.8% in tier
- - Liquidity Strain: Bottom 18.9% in tier
- - Flatlined Growth: Bottom 26.7% in tier
- - Non-Interest-Bearing Deposit Share 19.77% below tier average
- - Efficiency Ratio 10.59% above tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-0.8% YoY
-1.5% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$952.6M
+4.3% YoY
+0.6% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$1.0B
-0.4% YoY
-1.6% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.05%
-30.4% YoY
-11.9% QoQ
|
-0.32% |
1.37%
+19.6% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
9.44%
-4.8% YoY
-4.0% QoQ
|
+5.63% |
3.82%
+6.9% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
Top 0.9% in tier |
| Efficiency Ratio ? |
71.65%
+4.2% YoY
-5.2% QoQ
|
+10.59% |
61.06%
-4.6% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
1.38%
-3.2% YoY
-10.3% QoQ
|
+0.49% |
0.89%
+14.1% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
93.11%
+4.7% YoY
+2.2% QoQ
|
+8.90% |
84.20%
+0.3% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
1.52%
+0.5% YoY
+1.9% QoQ
|
-19.77% |
21.29%
-2.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.8% in tier |
| Nonperforming Asset Ratio ? |
1.13%
-11.2% YoY
-17.7% QoQ
|
+0.46% |
0.67%
+15.6% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
21.27%
-1.6% YoY
+1.3% QoQ
|
+6.11% |
15.16%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
Top 6.3% in tier |
| Non-Interest Income / Assets ? |
0.89%
+1.9% YoY
-76.3% QoQ
|
+0.63% |
0.26%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
Top 3.5% in tier |
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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 (4)
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.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.