BlastPoint's Banking Scorecard
First Western Federal Savings Bank
Micro
Specialty: Mortgage
SD
FDIC cert 31972
Designations: ✓ Community bank
Rapid City, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
First Western Federal Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 51.97% above tier
- - Non-Interest-Bearing Deposit Share 17.10% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.7M
+3.9% YoY
+8.6% QoQ
|
-$150.8M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$56.1M
-1.4% YoY
-0.7% QoQ
|
-$83.1M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$44.3M
+0.2% YoY
+9.8% QoQ
|
-$139.3M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.84%
+32.2% YoY
+6.8% QoQ
|
+0.75% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.74%
+16.6% YoY
-0.8% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
60.39%
-7.2% YoY
-4.5% QoQ
|
-7.34% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
126.50%
-1.6% YoY
-9.5% QoQ
|
+51.97% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.29%
-18.6% YoY
-25.9% QoQ
|
-17.10% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.00%
-51.9% YoY
-7.9% QoQ
|
-0.56% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
126.50%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.29%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.56%, National avg: 0.65%)
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%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
85
85th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
66
66th pctile
Efficiency Ratio
Current: 60.39% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Total Loans
Current: $56.1M · Tier avg: $139.2M
12
12th pctile
Total Assets
Current: $66.7M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $44.3M · Tier avg: $183.7M
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.29% · Tier avg: 22.39%
1
1th pctile
Loan-to-Deposit Ratio
Current: 126.50% · Tier avg: 74.53%
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
1
1th pctile
Loan-to-Deposit Ratio
Current: 126.50% · Tier avg: 74.53%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.29% · Tier avg: 22.39%
8
8th pctile
Total Deposits
Current: $44.3M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $66.7M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $56.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Efficiency Ratio
Current: 60.39% · Tier avg: 67.73%
85
85th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%