1st Financial Bank USA: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 4.50 percentage points in Q2 2026, from 94.80% to 90.29%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, 1st Financial Bank USA is 43rd of 56 on return on assets, 0.91% as of Q2 2026, below the middle of the field. 1st Financial Bank USA reported 0.91% on return on assets for Q2 2026, 0.37 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.06% |
| Tier 1 risk-based capital ratio | 21.06% |
| Total risk-based capital ratio | 22.31% |
| Tier 1 leverage ratio | 16.34% |
| Equity capital to assets | 16.23% |
| Tangible equity to tangible assets | 16.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.23% |
| Non-performing assets ratio | 1.65% |
| Net charge-off ratio | 3.35% |
| Texas ratio | 12.81% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 79.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 5.59% |
| Net interest margin | 9.23% |
| Efficiency ratio | 73.48% |
| Yield on earning assets | 12.95% |
| Cost of funds | 4.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.29% |
| Core deposits to total deposits | 22.65% |
| Brokered deposits to total deposits | 76.36% |
| Deposits to assets | 77.86% |
| Securities to assets | 7.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 24.29% | 24.29% | 25.55% | 20.12% | 1.47% |
| Q4 2023 | 22.33% | 22.33% | 23.59% | 18.55% | 0.91% |
| Q1 2024 | 22.73% | 22.73% | 23.98% | 18.75% | 1.25% |
| Q2 2024 | 20.81% | 20.81% | 22.07% | 17.25% | 6.24% |
| Q3 2024 | 20.89% | 20.89% | 22.14% | 16.92% | 1.10% |
| Q4 2024 | 20.95% | 20.95% | 22.20% | 16.65% | -0.09% |
| Q1 2025 | 21.62% | 21.62% | 22.87% | 16.89% | 1.52% |
| Q2 2025 | 21.14% | 21.14% | 22.40% | 17.14% | 1.28% |
| Q3 2025 | 20.97% | 20.97% | 22.22% | 16.88% | 1.35% |
| Q4 2025 | 21.00% | 21.00% | 22.26% | 16.85% | 0.64% |
| Q1 2026 | 21.27% | 21.27% | 22.53% | 16.98% | 1.05% |
| Q2 2026 | 21.06% | 21.06% | 22.31% | 16.34% | 0.91% |
1st Financial Bank USA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Financial Bank USA, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Financial Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1673) · FFIEC NIC profile (RSSD 526452)