BlastPoint's Banking Scorecard

First PREMIER Bank

$1B-$10B Specialty: Other SD FDIC cert 6085

Designations: ✓ Community bank

Sioux Falls, SD

13 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +13.3% year over year ($2.9B on the books).
Delinquency rate 0.10%.
Return on assets 1.79%.
Efficiency ratio 57.61% vs a 59.73% peer average.
Loan-to-deposit ratio 72.74% 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 PREMIER Bank has 5 strengths but faces 1 concern

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 24.3% in tier
+ Nonperforming Asset Ratio 0.62% below tier average
+ ROA 0.40% above tier average
+ Efficiency Ratio 2.12% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.35% below tier average

Get updates when First PREMIER 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 ?	$3.6B +16.5% YoY +2.5% QoQ	+$847.7M	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$2.1B -0.5% YoY +0.9% QoQ	+$142.2M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$2.9B +13.3% YoY +1.7% QoQ	+$575.4M	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.79% +8.6% YoY +6.3% QoQ	+0.40%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	3.52% -5.2% YoY +3.9% QoQ	-0.35%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	57.61% -5.0% YoY -0.3% QoQ	-2.12%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	0.10% -33.0% YoY -32.0% QoQ	-0.77%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	Top 11.8% in tier
Loan-to-Deposit Ratio ?	72.74% -12.2% YoY -0.7% QoQ	-12.29%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	29.06% +18.8% YoY +11.6% QoQ	+7.78%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.06% -42.8% YoY -33.1% QoQ	-0.62%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Top 9.8% in tier
Tier 1 Capital Ratio ?	19.95% +5.1% YoY -0.8% QoQ	+5.11%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Top 7.7% in tier
Non-Interest Income / Assets ?	0.79% -8.5% YoY +110.6% QoQ	+0.27%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Top 8.7% 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	29.1% +4.6pp YoY +3.0pp QoQ	+7.7pp	21.4%	23.5%	22.2%	83%
Brokered Deposits	18.3% -2.7pp YoY -1.1pp QoQ	+8.8pp	9.5%	8.7%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	7.7% +0.3pp YoY -0.4pp QoQ	-6.3pp	14.0%	14.1%	12.5%	32%
CRE	21.9% -1.7pp YoY -1.8pp QoQ	-28.1pp	50.0%	31.5%	41.4%	5%
1-4 Family	8.3% +0.8pp YoY +0.2pp QoQ	-18.1pp	26.4%	14.9%	31.3%	12%
Consumer	55.3% -0.2pp YoY +1.6pp QoQ	+50.6pp	4.7%	8.5%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	19.9% +1.0pp YoY -0.2pp QoQ	+4.4pp	15.6%	17.6%	19.7%	91%
Leverage Ratio	13.7% -0.2pp YoY -0.1pp QoQ	+2.4pp	11.3%	11.9%	12.6%	88%
Total Capital Ratio	21.2% +0.9pp YoY -0.2pp QoQ	+4.5pp	16.7%	18.8%	20.8%	92%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	391 -1 (-0.3%) YoY +12 (+3.2%) QoQ	+77	313	6,279	482	77%
Assets per Employee ($)	$9.3M +16.8% YoY -0.6% QoQ	-$1.2M	$10.5M	$8.1M	$8.8M	58%
Branch Count	13 -1 (-7.1%) YoY 0 QoQ	-7	20	92	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	59%
Nonaccrual	0.1% -0.1pp YoY -0.1pp QoQ	-0.8pp	0.8%	1.0%	1.0%	6%
Allowance Coverage	14.77x +48.8% YoY +46.7% QoQ	-3.94x	18.71x	96.54x	20.23x	93%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.7%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	13.9% +1.8pp YoY +0.5pp QoQ	+1.3pp	12.6%	12.4%	11.6%	66%
Cost of Funds (YTD)	1.7% -0.4pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.7%	1.7%	37%
Net Income ($, YTD)	$33.9M +28.5% YoY — QoQ	+$14.6M	$19.2M	$418.8M	$40.4M	85%

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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 (1)

Revenue Diversifier

growth

#55 of 222 • Top 24.3% 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: 0.79%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.79%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (9 metrics)

Tier 1 Capital Ratio

capital

Value: 19.95%

Peer Median: 14.84%

#69 of 885 Top 7.7% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.79%

Peer Median: 0.53%

#78 of 885 Top 8.7% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#88 of 885 Top 9.8% in $1B-$10B

105

Delinquency Rate

credit_quality

Value: 0.10%

Peer Median: 0.87%

#105 of 882 Top 11.8% in $1B-$10B

150

Non-Interest-Bearing Deposit Share

funding

Value: 29.06%

Peer Median: 21.27%

#150 of 885 Top 16.8% in $1B-$10B

162

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.39%

#162 of 885 Top 18.2% in $1B-$10B

174

Loan-to-Deposit Ratio

liquidity

Value: 72.74%

Peer Median: 85.04%

#174 of 885 Top 19.5% in $1B-$10B

198

Total Assets

size

Value: $3.64B

Peer Median: $2.79B

#198 of 885 Top 22.3% in $1B-$10B

211

Total Deposits

size

Value: $2.89B

Peer Median: $2.32B

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available