FIRST SAVINGS BANK
FIRST SAVINGS BANK is an FDIC-insured commercial bank headquartered in BERESFORD, SD, established in 1989. As of , 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 8.01%. CET1 capital ratio: 22.74%, well above regulatory minimums. NPL ratio: 1.13% · Texas Ratio: 3.71%. Operates 24 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 22.74% | 2.29% | 1.13% | 3.71% | 8.01% |
| 2025-09-30 | 22.76% | 2.40% | 0.83% | 2.68% | 7.93% |
| 2025-06-30 | 22.46% | 2.59% | 0.77% | 2.53% | 7.95% |
| 2025-03-31 | 21.83% | 2.32% | 0.80% | 2.68% | 7.91% |
| 2024-12-31 | 21.09% | 2.37% | 0.89% | 3.08% | 8.02% |
| 2024-09-30 | 20.52% | 2.20% | 0.87% | 3.01% | 8.05% |
| 2024-06-30 | 19.82% | -0.45% | 0.82% | 2.92% | 7.92% |
| 2024-03-31 | 19.29% | 5.36% | 0.93% | 3.35% | 7.95% |
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Frequently asked about FIRST SAVINGS BANK
What are First Savings Bank's total assets?
As of the Q4 2025 filing, First Savings Bank reported total assets of $1.54 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Savings Bank headquartered?
First Savings Bank is headquartered in BERESFORD, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Savings Bank founded?
First Savings Bank was established in 1989, per the FDIC institution directory.
Is First Savings Bank FDIC-insured?
Yes. First Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #32629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Savings Bank?
First Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Savings Bank's CET1 capital ratio?
First Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.74% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Savings Bank operate?
First Savings Bank operates 24 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Savings Bank's Texas Ratio?
First Savings Bank's Texas Ratio is 3.71% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.