First Savings Bank

Beresford, SD · Cert 32629 · Farrar Beresford Bcorp Irrevocable Tr

State savings bank · OCC · 24 branches

Q2 2026

$1.6BAssets

$1.2BLoans

$1.3BDeposits

$307.6MEquity

Loan mix

Deposit mix

NIM

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #26 of 41 inst. · $0.2B of $95.0B

0.2% Clark

2.8% Mohave

13.9% Union

15.6% Lincoln

Earnings: ROA of 2.61%, up 14 bps year over year; NIM at 7.67%.
Asset quality: problem loans at 0.90% of loans (+37 bps YoY), with net charge-offs at 4.01%.

Return on Assets (YTD, annualized)

2.61%+14 bps YoY

Net Interest Margin (YTD, annualized)

7.67%-21 bps YoY

Efficiency Ratio (YTD, annualized)

41.59%+83 bps YoY

Tier 1 Leverage Ratio

19.25%+92 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	2.47%	2.44%	2.40%	2.57%	2.61%	+14 bps
Return on Equity	13.96%	13.65%	13.29%	13.69%	13.74%	-21 bps
Net Interest Margin	7.89%	7.86%	7.80%	7.73%	7.67%	-21 bps
Efficiency Ratio	40.76%	41.16%	41.39%	41.76%	41.59%	+83 bps
Non-Interest Burden	1.63%	1.68%	1.71%	1.78%	1.78%	+15 bps
Growth
Asset Growth (YoY)	4.22%	4.92%	6.93%	6.66%	7.22%	+299 bps
Loan Growth (YoY)	1.09%	1.93%	5.39%	6.68%	8.19%	+710 bps
Deposit Growth (YoY)	3.05%	2.91%	5.13%	4.89%	5.61%	+256 bps
Asset Quality
Nonperforming Loans / Loans	0.53%	0.56%	0.87%	0.81%	0.90%	+37 bps
Net Charge-Offs / Loans	4.80%	4.53%	4.32%	4.19%	4.01%	-79 bps
Allowance / Loans	6.21%	6.11%	5.84%	5.60%	5.38%	-83 bps
Allowance Coverage of NPLs	11.7x	10.9x	6.7x	6.9x	6.0x	-5.8x
Capital
Tier 1 Leverage Ratio	18.33%	18.71%	19.00%	19.11%	19.25%	+92 bps
Total Risk-Based Capital	25.82%	26.08%	25.99%	26.45%	26.82%	+99 bps
Equity / Assets	18.13%	18.59%	18.79%	18.81%	19.30%	+116 bps
Liquidity & Funding
Loans / Deposits	92.41%	92.72%	94.55%	92.54%	94.67%	+226 bps
Liquid Assets / Assets	14.33%	13.14%	11.46%	12.38%	10.36%	-397 bps
CRE / Total Capital	n/a	251%	247%	244%	n/a	n/a