BlastPoint's Banking Scorecard
First Savings Bank
Community
Specialty: Commercial
SD
FDIC cert 32629
Beresford, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
First Savings Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 2% in Community
- + Profitability Leader: Top 37% in Community
- + Deposit Franchise: Top 41% in Community
- + Efficiency Ratio 21.24% below tier
- + Tier 1 Capital Ratio 14.44% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12% in Community
- - Credit Risk Growth: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+6.9% YoY
+2.0% QoQ
|
+$150.1M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.1B
+6.2% YoY
+4.1% QoQ
|
+$127.0M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.2B
+5.1% YoY
+1.8% QoQ
|
+$73.7M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
2.40%
+2.0% YoY
-1.6% QoQ
|
+1.24% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
8.34%
-2.3% YoY
-0.2% QoQ
|
+4.67% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
41.39%
+3.1% YoY
+0.5% QoQ
|
-21.24% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.92%
+38.7% YoY
+53.9% QoQ
|
+0.29% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
89.03%
+1.0% YoY
+2.3% QoQ
|
+5.97% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
27.58%
-6.4% YoY
+1.2% QoQ
|
+6.54% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.66%
+36.7% YoY
+57.1% QoQ
|
+0.16% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
24.68%
+6.5% YoY
-0.4% QoQ
|
+14.44% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
2.57%
-4.0% YoY
+30.3% QoQ
|
+1.83% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#9 of 371 · Top 2% 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:
2.57%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.40%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#139 of 371 · Top 37% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.40%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#62 of 150 · Top 41% in Community
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:
27.58%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
8.34%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.39%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.68%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#33 of 268 · Bottom 12% 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:
24.68%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
89.03%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#234 of 642 · Bottom 36% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
Net Interest Margin
Current: 8.34% · Tier avg: 3.66%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.68% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 2.57% · Tier avg: 0.74%
96
96th pctile
Return on Assets
Current: 2.40% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 41.39% · Tier avg: 62.63%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.58% · Tier avg: 21.05%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.03% · Tier avg: 83.06%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.63%
Top Weaknesses
27
27th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.03% · Tier avg: 83.06%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.58% · Tier avg: 21.05%
94
94th pctile
Efficiency Ratio
Current: 41.39% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.40% · Tier avg: 1.16%
97
97th pctile
Non-Interest Income / Assets
Current: 2.57% · Tier avg: 0.74%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.68% · Tier avg: 10.24%
100
100th pctile
Net Interest Margin
Current: 8.34% · Tier avg: 3.66%