BlastPoint's Banking Scorecard
First Western Federal Savings Bank
Designations: ✓ Community bank
Rapid City, SD
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 1.30% above tier average
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + Net Interest Margin 0.99% above tier average
- + Efficiency Ratio 32.93% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 64.46% above tier average
- - Non-Interest Income / Assets 0.67% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.5M
+8.2% YoY
-1.8% QoQ
|
+$3.2M |
$62.3M
-0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.0% YoY
|
51% |
| Total Loans ? |
$56.6M
+1.8% YoY
+1.0% QoQ
|
+$22.3M |
$34.3M
-1.5% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
85% |
| Total Deposits ? |
$44.0M
+9.7% YoY
-0.6% QoQ
|
-$7.8M |
$51.8M
-0.6% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.0% YoY
|
35% |
| Return on Assets ? |
2.16%
+31.5% YoY
+17.5% QoQ
|
+1.30% |
0.86%
-3.6% YoY
|
1.41%
+1.8% YoY
|
1.24%
+13.1% YoY
|
Top 8.0% in tier |
| Net Interest Margin ? |
4.86%
+5.1% YoY
+2.6% QoQ
|
+0.99% |
3.87%
+2.7% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
Top 14.7% in tier |
| Efficiency Ratio ? |
54.70%
-14.3% YoY
-9.4% QoQ
|
-32.93% |
87.63%
+2.3% YoY
|
64.00%
-0.6% YoY
|
66.84%
-3.8% YoY
|
Top 14.3% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.36% |
1.36%
+33.7% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
128.57%
-7.2% YoY
+1.6% QoQ
|
+64.46% |
64.11%
-0.9% YoY
|
71.70%
+0.3% YoY
|
76.69%
+0.9% YoY
|
Bottom 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.23%
-5.4% YoY
+17.7% QoQ
|
-17.56% |
23.79%
+0.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.1% YoY
|
Bottom 11.2% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.77% |
0.77%
+28.7% YoY
|
0.41%
+39.3% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.51%
-2.2% YoY
-0.3% QoQ
|
-10.26% |
26.77%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 2.6% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.