First Savings Bank
Beresford, SD · Cert 32629 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Farrar Beresford Bcorp Irrevocable Tr
State savings bank · OCC · 24 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.3BDeposits
$307.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks $1B-$10B in assets operating regionally (rank 1 of 176).
- Widest gap: net charge-offs / loans trails 99% of banks $1B-$10B in assets operating regionally (rank 176 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.57%
Rank 3 of 176
Net Interest Margin
7.67%
Rank 1 of 176
Efficiency Ratio
41.65%
Rank 11 of 176
Equity / Assets
19.30%
Rank 2 of 176
Non-interest income vs. expense
Unfavorable gap of $28.6M · efficiency ratio beats 94% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.57% | 0.93% | 1.26% | 1.54% | Beats 98% | 3 / 176 | |
| Return on Equity | 13.34% | 9.26% | 11.89% | 14.46% | Beats 63% | 66 / 176 | |
| Net Interest Margin | 7.67% | 3.25% | 3.59% | 3.93% | Beats 99% | 1 / 176 | |
| Efficiency Ratio | 41.65% | 52.79% | 59.55% | 67.66% | Beats 94% | 11 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.30% | 0.64% | 1.32% | Beats 36% | 113 / 176 | |
| Net Charge-Offs / Loans | 2.22% | 0.01% | 0.04% | 0.10% | Beats 1% | 176 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 25.51% | 11.15% | 12.72% | 14.15% | Beats 99% | 2 / 176 | |
| Total Risk-Based Capital Ratio | 26.82% | 11.81% | 13.63% | 15.33% | Beats 99% | 2 / 176 | |
| Equity / Assets | 19.30% | 9.16% | 10.35% | 11.80% | Beats 99% | 2 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 94.67% | 80.94% | 89.73% | 97.21% | 69th pctl | 55 / 176 | |
| Loans / Assets | 75.52% | 69.25% | 75.12% | 80.82% | 51st pctl | 86 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |