BlastPoint's Banking Scorecard

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

884 banks in the $1B-$10B peer group nationally 15 in 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 2.7% in tier
+ Profitability Leader: Top 21.3% in tier
+ Deposit Franchise: Top 36.0% in tier
+ Efficiency Ratio 19.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 9.2% in tier
- Credit Risk Growth: Bottom 48.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$1.6B +6.7% YoY +3.0% QoQ	-$1.2B	$2.8B -0.1% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$1.1B +7.6% YoY +1.1% QoQ	-$850.1M	$2.0B +0.6% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$1.3B +4.9% YoY +3.1% QoQ	-$1.1B	$2.3B -0.3% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	2.57% +10.8% YoY +7.0% QoQ	+1.21%	1.37% +19.6% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Top 3.3% in tier
Net Interest Margin ?	8.08% -2.8% YoY -3.1% QoQ	+4.27%	3.82% +6.9% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 1.2% in tier
Efficiency Ratio ?	41.76% +2.8% YoY +0.9% QoQ	-19.30%	61.06% -4.6% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	Top 8.3% in tier
Delinquency Rate ?	0.86% +48.3% YoY -6.8% QoQ	-0.03%	0.89% +14.1% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	87.36% +2.6% YoY -1.9% QoQ	+3.15%	84.20% +0.3% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	27.45% -6.1% YoY -0.5% QoQ	+6.16%	21.29% -2.5% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.60% +49.6% YoY -8.5% QoQ	-0.07%	0.67% +15.6% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	25.14% +5.2% YoY +1.9% QoQ	+9.98%	15.16% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	Top 4.0% in tier
Non-Interest Income / Assets ?	0.61% -10.3% YoY -76.2% QoQ	+0.35%	0.26% +1.6% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 5.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#7 of 221 • Top 2.7% 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: 0.61%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.57%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#48 of 221 • Top 21.3% in tier

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

Why this signature

Return on Assets: 2.57%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#32 of 86 • Top 36.0% 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: 27.45%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 8.08%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#17 of 174 • Bottom 9.2% 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: 25.14%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 87.36%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ

Credit Risk Growth

risk

#206 of 420 • Bottom 48.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 8.08%

Peer Median: 3.82%

#12 of 884 Top 1.2% in $1B-$10B

Return on Assets

profitability

Value: 2.57%

Peer Median: 1.37%

#30 of 884 Top 3.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 25.14%

Peer Median: 15.16%

#36 of 884 Top 4.0% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.61%

Peer Median: 0.26%

#46 of 884 Top 5.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 41.76%

Peer Median: 61.06%

#74 of 884 Top 8.3% in $1B-$10B

198

Non-Interest-Bearing Deposit Share

funding

Value: 27.45%

Peer Median: 21.29%

#198 of 884 Top 22.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available