1st Financial Bank USA
Dakota Dunes, SD · Cert 1673 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
State charter, non-member · FDIC · 2 branches
Q2 2026
$1.4BAssets
$987.1MLoans
$1.1BDeposits
$227.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 3 of 258).
- Widest gap: net charge-offs / loans trails 98% of banks $1B-$10B in assets operating in a single state (rank 255 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.95%
Rank 188 of 258
Net Interest Margin
7.80%
Rank 3 of 258
Efficiency Ratio
73.07%
Rank 209 of 257
Equity / Assets
16.23%
Rank 13 of 258
Non-interest income vs. expense
Unfavorable gap of $66.4M · efficiency ratio beats 19% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.93% | 1.23% | 1.54% | Beats 27% | 188 / 258 | |
| Return on Equity | 5.88% | 9.26% | 11.84% | 14.74% | Beats 10% | 232 / 258 | |
| Net Interest Margin | 7.80% | 3.16% | 3.49% | 3.88% | Beats 99% | 3 / 258 | |
| Efficiency Ratio | 73.07% | 51.71% | 60.30% | 69.65% | Beats 19% | 209 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.51% | 0.19% | 0.46% | 0.90% | Beats 14% | 224 / 258 | |
| Net Charge-Offs / Loans | 1.44% | 0.01% | 0.02% | 0.07% | Beats 2% | 255 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 21.06% | 11.41% | 12.98% | 15.12% | Beats 94% | 16 / 258 | |
| Total Risk-Based Capital Ratio | 22.31% | 12.10% | 13.91% | 16.08% | Beats 94% | 15 / 258 | |
| Equity / Assets | 16.23% | 9.09% | 10.24% | 11.72% | Beats 95% | 13 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 90.29% | 73.24% | 86.34% | 95.95% | 60th pctl | 103 / 258 | |
| Loans / Assets | 70.30% | 63.01% | 72.27% | 78.40% | 43rd pctl | 148 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |