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First Savings Bank

$1B-$10B Specialty: Commercial SD FDIC cert 32629

Designations: ✓ Community bank

Beresford, SD

24 branches across SD · NM · TX · AZ · NE · NV

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 +5.6% year over year ($1.3B on the books).
  • Delinquency rate 0.95%.
  • Return on assets 2.61%.
  • Efficiency ratio 41.59% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.58% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD
View $1B-$10B leaderboard (SD) →

First Savings Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 3.6% in tier
  • + Profitability Leader: Top 27.9% in tier
  • + Deposit Franchise: Top 28.8% in tier
  • + Efficiency Ratio 18.14% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 7.0% in tier
  • - Delinquency Rate 0.08% above tier average
Get updates when First Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $1.6B
+7.2% YoY +0.4% QoQ
-$1.2B $2.8B
-0.6% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.1B
+9.2% YoY +2.2% QoQ
-$824.0M $2.0B
-0.3% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $1.3B
+5.6% YoY -0.3% QoQ
-$1.0B $2.3B
-0.5% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 2.61%
+5.7% YoY +1.3% QoQ
+1.22% 1.39%
+17.0% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Top 3.1% in tier
Net Interest Margin ? 8.18%
-2.0% YoY +1.2% QoQ
+4.31% 3.87%
+6.2% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Top 1.0% in tier
Efficiency Ratio ? 41.59%
+2.0% YoY -0.4% QoQ
-18.14% 59.73%
-12.6% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
Top 8.7% in tier
Delinquency Rate ? 0.95%
+68.3% YoY +10.8% QoQ
+0.08% 0.87%
+11.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 89.58%
+3.4% YoY +2.5% QoQ
+4.54% 85.04%
-0.1% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 28.37%
+2.6% YoY +3.3% QoQ
+7.09% 21.27%
-1.5% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.68%
+71.3% YoY +12.8% QoQ
+0.00% 0.67%
+11.7% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 25.51%
+4.1% YoY +1.5% QoQ
+10.67% 14.84%
-0.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
Top 3.7% in tier
Non-Interest Income / Assets ? 1.22%
-8.9% YoY +99.2% QoQ
+0.69% 0.53%
+2.5% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
Top 5.1% in tier

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 28.4%
+0.7pp YoY
+0.9pp QoQ
 +7.0pp 21.4% 23.5% 22.2% 81%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 5.4%
+2.1pp YoY
+0.5pp QoQ
 -8.6pp 14.0% 14.1% 12.5% 20%
CRE 65.0%
-1.5pp YoY
-0.4pp QoQ
 +15.0pp 50.0% 31.5% 41.4% 83%
1-4 Family 9.3%
+0.1pp YoY
-0.2pp QoQ
 -17.1pp 26.4% 14.9% 31.3% 15%
Consumer 15.9%
-2.1pp YoY
-0.4pp QoQ
 +11.2pp 4.7% 8.5% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 23.6%
+1.2pp YoY
+0.4pp QoQ
 +8.0pp 15.6% 17.6% 19.7% 95%
Leverage Ratio 19.3%
+0.9pp YoY
+0.1pp QoQ
 +7.9pp 11.3% 11.9% 12.6% 98%
Total Capital Ratio 26.8%
+1.0pp YoY
+0.4pp QoQ
 +10.1pp 16.7% 18.8% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 217
+3 (+1.4%) YoY
-1 (-0.5%) QoQ
 -97 313 6,279 482 46%
Assets per Employee ($) $7.3M
+5.7% YoY
+0.8% QoQ
 -$3.1M $10.5M $8.1M $8.8M 28%
Branch Count 24
0 YoY
0 QoQ
 +4 20 92 18 74%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp QoQ
 0.0pp 0.2% 0.2% 0.4% 82%
Nonaccrual 0.8%
+0.3pp YoY
0.0pp QoQ
 0.0pp 0.8% 1.0% 1.0% 67%
Allowance Coverage 5.99x
-49.0% YoY
-13.5% QoQ
 -12.72x 18.71x 96.54x 20.23x 81%
Net Charge-off Rate (YTD) 4.1%
-0.7pp YoY
-0.1pp QoQ
 +3.8pp 0.3% 0.7% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 13.7%
-0.2pp YoY
+0.1pp QoQ
 +1.1pp 12.6% 12.4% 11.6% 64%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.9% 1.7% 1.7% 8%
Net Income ($, YTD) $20.5M
+13.0% YoY
— QoQ
 +$1.3M $19.2M $418.8M $40.4M 70%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#9 of 222 • Top 3.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.22%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.61%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#63 of 222 • Top 27.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.61%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#24 of 80 • Top 28.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 28.37%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 8.18%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#13 of 172 • Bottom 7.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.51%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.58%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

10
Net Interest Margin
profitability
Value: 8.18%
Peer Median: 3.87%
#10 of 885 Top 1.0% in $1B-$10B
28
Return on Assets
profitability
Value: 2.61%
Peer Median: 1.39%
#28 of 885 Top 3.1% in $1B-$10B
34
Tier 1 Capital Ratio
capital
Value: 25.51%
Peer Median: 14.84%
#34 of 885 Top 3.7% in $1B-$10B
46
Non-Interest Income / Assets
revenue_mix
Value: 1.22%
Peer Median: 0.53%
#46 of 885 Top 5.1% in $1B-$10B
78
Efficiency Ratio
profitability
Value: 41.59%
Peer Median: 59.73%
#78 of 885 Top 8.7% in $1B-$10B
171
Non-Interest-Bearing Deposit Share
funding
Value: 28.37%
Peer Median: 21.27%
#171 of 885 Top 19.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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