FIRST SAVINGS BANK

BERESFORD, SD | Large | Est. Jan. 1, 1989, midnight | FDIC #32629 | RSSD #67656 | OCC
Latest Report: 2025-12-31

FIRST SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in BERESFORD, SD, established in Jan. 1, 1989, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.2B. Profitability stands at 2.29% ROA and 12.28% ROE, with a net interest margin of 8.64%. The bank's CET1 capital ratio is 22.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.86% and a Texas Ratio of 2.82%. FDIC Certificate #32629.

Assets

$1.5B

Deposits

$1.2B

Loans

$1.2B

Equity

$290M

Profitability

Return on Assets (ROA) 2.29%
Return on Equity (ROE) 12.28%
Net Interest Margin (NIM) 8.64%
Yield on Assets 9.89%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.86%
Net Charge-Off Ratio 4.32%
Texas Ratio 2.82%
NPA Ratio 0.66%
ACL / Loans 5.84%

Capital & Liquidity

CET1 Ratio 22.74%
Tier 1 Capital 24.68%
Total Capital Ratio 25.99%
Leverage Ratio 19.00%
Loan-to-Deposit 94.55%

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