BlastPoint

BlastPoint's Banking Scorecard

1st Financial Bank USA

Community Specialty: Other SD FDIC cert 1673

Dakota Dunes, SD

1484 banks in Community tier nationally 18 in SD
View Community leaderboard (SD) →

1st Financial Bank USA has 3 strengths but faces 4 concerns

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 19% in Community
  • + Net Interest Margin 6.18% above tier
  • + Tier 1 Capital Ratio 11.17% above tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 3% in Community
  • - Liquidity Strain: Bottom 12% in Community
  • - Liquidity Overhang: Bottom 21% in Community
  • - Non-Interest-Bearing Deposit Share 19.55% below tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $1.3B
+2.6% YoY +1.3% QoQ
-$44.1M $1.4B
+2.0% YoY
$66.4B
+7.5% YoY
$5.9B
+6.5% YoY
64%
Total Loans ? $947.3M
+2.9% YoY -1.5% QoQ
-$28.2M $975.5M
+2.4% YoY
$30.0B
+8.4% YoY
$3.1B
+8.5% YoY
66%
Total Deposits ? $1.0B
+4.4% YoY +2.5% QoQ
-$124.7M $1.2B
+1.7% YoY
$53.6B
+6.8% YoY
$4.7B
+6.3% YoY
61%
Return on Assets ? 1.07%
-49.4% YoY -22.4% QoQ
-0.09% 1.16%
+17.2% YoY
1.30%
+9.7% YoY
1.12%
+15.6% YoY
45%
Net Interest Margin ? 9.84%
-6.6% YoY -1.4% QoQ
+6.18% 3.66%
+9.1% YoY
4.04%
+12.2% YoY
3.75%
+7.1% YoY
Top 1% in tier
Efficiency Ratio ? 75.56%
+12.6% YoY +5.5% QoQ
+12.92% 62.63%
-5.3% YoY
61.23%
-7.1% YoY
65.09%
-5.1% YoY
16%
Delinquency Rate ? 1.54%
-3.2% YoY +27.5% QoQ
+0.91% 0.63%
+18.3% YoY
0.56%
+87.1% YoY
0.66%
+20.3% YoY
15%
Loan-to-Deposit Ratio ? 91.10%
-1.4% YoY -3.9% QoQ
+8.03% 83.06%
+0.3% YoY
73.14%
+0.4% YoY
78.04%
+0.7% YoY
33%
Non-Interest-Bearing Deposit Share ? 1.49%
-2.1% YoY +25.7% QoQ
-19.55% 21.05%
-0.9% YoY
20.56%
-1.2% YoY
21.79%
-1.3% YoY
Bottom 1% in tier
Nonperforming Asset Ratio ? 1.38%
+0.5% YoY +12.4% QoQ
+0.88% 0.50%
+20.3% YoY
0.38%
+94.7% YoY
0.48%
+20.8% YoY
Bottom 12% in tier
Tier 1 Capital Ratio ? 21.41%
+2.2% YoY +2.1% QoQ
+11.17% 10.24%
-0.6% YoY
11.53%
-0.1% YoY
9.75%
-1.9% YoY
Top 5% in tier
Non-Interest Income / Assets ? 3.76%
-31.7% YoY +34.4% QoQ
+3.02% 0.74%
-1.3% YoY
1.02%
-4.1% YoY
0.65%
+0.6% YoY
Top 2% in tier

Signature Analysis

Strengths (3)

Revenue Diversifier

growth
#71 of 371 · Top 19% in Community

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

Why this signature
Noninterest Income / Assets: 3.76%
(Tier: 0.74%, National: 0.65%)
better than tier avg
Return on Assets: 1.07%
(Tier: 1.16%, National: 1.12%)
but worse than tier avg
371 of 371 Community banks match · 441 nationally
→ Stable +4 banks QoQ | QoQ rank declining

Net Interest Margin

metric
Top 1% in Community
Why this stands out
Current: 9.84%
(Tier avg: 3.66%, National avg: 3.75%)

Tier 1 Capital Ratio

metric
Top 5% in Community
Why this stands out
Current: 21.41%
(Tier avg: 10.24%, National avg: 9.75%)

Concerns (4)

Margin Compression

decline
#5 of 120 · Bottom 3% in Community

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.07%
(Tier: 1.16%, National: 1.12%)
worse than tier avg
120 of 120 Community banks match · 147 nationally
→ Stable -9 banks QoQ

Liquidity Strain

risk
#60 of 513 · Bottom 12% in Community

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.10%
(Tier: 83.06%, National: 78.04%)
worse than tier avg
513 of 513 Community banks match · 609 nationally
→ Stable -4 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#57 of 268 · Bottom 21% in Community

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

Why this signature
Tier 1 Risk-Based Capital Ratio: 21.41%
(Tier: 10.24%, National: 9.75%)
better than tier avg
Loan-to-Deposit Ratio: 91.10%
(Tier: 83.06%, National: 78.04%)
worse than tier avg
268 of 268 Community banks match · 314 nationally
→ Stable +6 banks QoQ | QoQ rank declining

Non-Interest-Bearing Deposit Share

metric
Bottom 1% in Community
Why this stands out
Current: 1.49%
(Tier avg: 21.05%, National avg: 21.79%)

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%

Comparing against 1484 peers in Community tier

Top Strengths

100
Net Interest Margin
Current: 9.84% · Tier avg: 3.66%
100th pctile
98
Non-Interest Income / Assets
Current: 3.76% · Tier avg: 0.74%
98th pctile
95
Tier 1 Capital Ratio
Current: 21.41% · Tier avg: 10.24%
95th pctile
66
Total Loans
Current: $947.3M · Tier avg: $975.5M
66th pctile
64
Total Assets
Current: $1.3B · Tier avg: $1.4B
64th pctile
61
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61th pctile
45
Return on Assets
Current: 1.07% · Tier avg: 1.16%
45th pctile
33
Loan-to-Deposit Ratio
Current: 91.10% · Tier avg: 83.06%
33th pctile
16
Efficiency Ratio
Current: 75.56% · Tier avg: 62.63%
16th pctile
15
Delinquency Rate
Current: 1.54% · Tier avg: 0.63%
15th pctile
12
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.50%
12th pctile
1
Non-Interest-Bearing Deposit Share
Current: 1.49% · Tier avg: 21.05%
1th pctile

Top Weaknesses

1
Non-Interest-Bearing Deposit Share
Current: 1.49% · Tier avg: 21.05%
1th pctile
12
Nonperforming Asset Ratio
Current: 1.38% · Tier avg: 0.50%
12th pctile
15
Delinquency Rate
Current: 1.54% · Tier avg: 0.63%
15th pctile
16
Efficiency Ratio
Current: 75.56% · Tier avg: 62.63%
16th pctile
33
Loan-to-Deposit Ratio
Current: 91.10% · Tier avg: 83.06%
33th pctile
45
Return on Assets
Current: 1.07% · Tier avg: 1.16%
45th pctile
61
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61th pctile
64
Total Assets
Current: $1.3B · Tier avg: $1.4B
64th pctile
66
Total Loans
Current: $947.3M · Tier avg: $975.5M
66th pctile
95
Tier 1 Capital Ratio
Current: 21.41% · Tier avg: 10.24%
95th pctile
98
Non-Interest Income / Assets
Current: 3.76% · Tier avg: 0.74%
98th pctile
100
Net Interest Margin
Current: 9.84% · Tier avg: 3.66%
100th pctile
Powered by BlastPoint © 2026