BlastPoint's Banking Scorecard
First PREMIER Bank
Designations: ✓ Community bank
Sioux Falls, SD
13 branches across SD
First PREMIER Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13.6% in tier
- + Revenue Diversifier: Top 27.2% in tier
- + ROA 0.32% above tier average
- + Efficiency Ratio 3.27% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.0% in tier
- - Credit Quality Pressure: Bottom 11.1% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.6B
+14.0% YoY
-14.5% QoQ
|
+$734.9M |
$2.8B
-0.1% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$2.1B
+0.7% YoY
-0.9% QoQ
|
+$121.6M |
$2.0B
+0.6% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$2.8B
+9.2% YoY
-17.8% QoQ
|
+$503.7M |
$2.3B
-0.3% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
1.69%
+0.8% YoY
+1.2% QoQ
|
+0.32% |
1.37%
+19.6% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.38%
-6.2% YoY
-6.9% QoQ
|
-0.43% |
3.82%
+6.9% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
57.79%
-4.1% YoY
-2.9% QoQ
|
-3.27% |
61.06%
-4.6% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.15%
+102.4% YoY
+16.0% QoQ
|
-0.74% |
0.89%
+14.1% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
73.29%
-7.7% YoY
+20.5% QoQ
|
-10.92% |
84.20%
+0.3% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
26.03%
+19.7% YoY
-34.3% QoQ
|
+4.74% |
21.29%
-2.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.09%
+78.8% YoY
+34.4% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
Top 12.3% in tier |
| Tier 1 Capital Ratio ? |
20.11%
+4.2% YoY
+1.7% QoQ
|
+4.95% |
15.16%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
Top 7.7% in tier |
| Non-Interest Income / Assets ? |
0.38%
-8.8% YoY
-71.5% QoQ
|
+0.12% |
0.26%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
Top 9.2% 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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.