BlastPoint's Banking Scorecard
First Western Federal Savings Bank
Designations: ✓ Community bank
Rapid City, 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 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +7.2% year over year ($40.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.31%.
- Efficiency ratio 52.79% vs a 119.40% peer average.
- Loan-to-deposit ratio 143.47% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Western Federal Savings Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.31% above tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 66.61% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 69.26% above tier average
- - Non-Interest Income / Assets 1.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.5M
+5.2% YoY
-3.0% QoQ
|
+$1.1M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$58.2M
+4.9% YoY
+2.8% QoQ
|
+$23.3M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
85% |
| Total Deposits ? |
$40.6M
+7.2% YoY
-7.9% QoQ
|
-$11.1M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
2.31%
+26.9% YoY
+7.0% QoQ
|
+1.31% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
Top 6.9% in tier |
| Net Interest Margin ? |
4.99%
+5.2% YoY
+2.7% QoQ
|
+1.08% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Top 13.1% in tier |
| Efficiency Ratio ? |
52.79%
-13.2% YoY
-3.5% QoQ
|
-66.61% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
Top 13.4% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
143.47%
-2.1% YoY
+11.6% QoQ
|
+69.26% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.01%
+23.4% YoY
+12.7% QoQ
|
-16.48% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.08%
+0.6% YoY
+9.5% QoQ
|
-9.04% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
|
-1.38% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.1% 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 |
7.0%
+1.3pp YoY +0.8pp QoQ |
-17.6pp | 24.6% | 23.5% | 22.2% | 7% |
| Brokered Deposits |
24.1%
-0.3pp YoY -4.9pp QoQ |
+14.4pp | 9.8% | 8.7% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.1%
0.0pp YoY 0.0pp QoQ |
-13.3pp | 13.4% | 14.1% | 12.5% | 0% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
93.2%
-2.9pp YoY -1.6pp QoQ |
+58.2pp | 35.0% | 14.9% | 31.3% | 97% |
| Consumer | n/a | n/a | 7.7% | 8.5% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.6% | 19.7% | n/a |
| Leverage Ratio |
18.1%
+0.1pp YoY +1.6pp QoQ |
+0.4pp | 17.7% | 11.9% | 12.6% | 81% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
+1 (+14.3%) YoY 0 QoQ |
-4 | 12 | 6,279 | 482 | 29% |
| Assets per Employee ($) |
$7.9M
-8.0% YoY -3.0% QoQ |
+$1.8M | $6.2M | $8.1M | $8.8M | 79% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 96.54x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+3.1pp YoY +0.6pp QoQ |
+7.3pp | 6.4% | 12.4% | 11.6% | 79% |
| Cost of Funds (YTD) |
2.6%
-0.4pp YoY -0.1pp QoQ |
+1.2pp | 1.4% | 1.7% | 1.7% | 94% |
| Net Income ($, YTD) |
$754,000
+34.2% YoY — QoQ |
+$436K | $317,817 | $418.8M | $40.4M | 90% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.