BlastPoint's Banking Scorecard
First PREMIER Bank
Community
Specialty: Other
SD
FDIC cert 6085
Sioux Falls, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
First PREMIER Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11% in Community
- + Revenue Diversifier: Top 30% in Community
- + Non-Interest-Bearing Deposit Share 18.56% above tier
- + Tier 1 Capital Ratio 9.54% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Credit Quality Pressure: Bottom 9% in Community
- - Loan-to-Deposit Ratio 22.22% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.2B
+24.1% YoY
+26.1% QoQ
|
+$2.8B |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$2.1B
+1.4% YoY
-1.3% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$3.5B
+21.5% YoY
+30.0% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.67%
-3.5% YoY
-1.2% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.64%
+1.7% YoY
-3.3% QoQ
|
-0.03% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
59.54%
-0.1% YoY
-1.9% QoQ
|
-3.09% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.13%
+39.7% YoY
-22.2% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
60.84%
-16.5% YoY
-24.0% QoQ
|
-22.22% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.61%
+54.3% YoY
+44.5% QoQ
|
+18.56% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+14.2% YoY
-39.0% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
19.78%
+4.2% YoY
+3.7% QoQ
|
+9.54% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
1.32%
-21.6% YoY
+5.3% QoQ
|
+0.58% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#40 of 371 · Top 11% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Revenue Diversifier
growth
#111 of 371 · Top 30% 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:
1.32%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.67%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
39.61%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.78%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Risk Growth
risk
#10 of 642 · Bottom 1% 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
|
QoQ rank improving
Credit Quality Pressure
risk
#75 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.84%
(Tier avg: 83.06%, National avg: 78.04%)
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
97
97th pctile
Total Assets
Current: $4.2B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.61% · Tier avg: 21.05%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.78% · Tier avg: 10.24%
91
91th pctile
Non-Interest Income / Assets
Current: 1.32% · Tier avg: 0.74%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
84
84th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
58
58th pctile
Efficiency Ratio
Current: 59.54% · Tier avg: 62.63%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.84% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.84% · Tier avg: 83.06%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
58
58th pctile
Efficiency Ratio
Current: 59.54% · Tier avg: 62.63%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
91
91th pctile
Non-Interest Income / Assets
Current: 1.32% · Tier avg: 0.74%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.78% · Tier avg: 10.24%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.61% · Tier avg: 21.05%
97
97th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.2B · Tier avg: $1.4B