First Western Federal Savings Bank
Rapid City, SD · Cert 31972 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 1 branch
Q2 2026
$63.5MAssets
$58.6MLoans
$40.6MDeposits
$11.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: return on equity trails 50% of banks under $1B in assets operating in a single state (rank 372 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.86%
Rank 70 of 746
Net Interest Margin
5.15%
Rank 21 of 746
Efficiency Ratio
52.79%
Rank 146 of 746
Equity / Assets
17.67%
Rank 57 of 746
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.72% | 1.06% | 1.45% | Beats 91% | 70 / 746 | | |
| Return on Equity | 10.55% | 6.74% | 10.51% | 13.63% | Beats 50% | 372 / 746 | | |
| Net Interest Margin | 5.15% | 3.17% | 3.68% | 4.16% | Beats 97% | 21 / 746 | | |
| Efficiency Ratio | 52.79% | 55.74% | 64.58% | 75.47% | Beats 81% | 146 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.08% | 11.55% | 13.75% | 17.60% | Beats 77% | 169 / 746 | | |
| Total Risk-Based Capital Ratio | 18.08% | 11.71% | 14.33% | 18.43% | Beats 74% | 196 / 746 | | |
| Equity / Assets | 17.67% | 8.90% | 10.51% | 13.06% | Beats 92% | 57 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 144.42% | 61.31% | 78.27% | 90.78% | 99th pctl | 4 / 746 | | |
| Loans / Assets | 92.18% | 53.60% | 66.97% | 76.08% | 99th pctl | 4 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |