First Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
First Savings Bank is an FDIC-insured savings institution headquartered in Beresford, SD, established in 1989 (FDIC certificate 32629), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.59B, up 7.2% from Q2 2025, the 14th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 23.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32629
- Headquarters
- Beresford, SD
- Established
- 1989
- Total assets, Q2 2026
- $1.59B
- Assets vs Q2 2025
- +7.2%
- CET1 ratio, Q2 2026
- 23.63%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 091406833
- Holding company
- BERESFORD BANCORPORATION, INC.
- Asset rank in state
- 14th of 56 in South Dakota
Problem loans are rising at First Savings Bank. The Beresford, South Dakota bank had $1.6 billion in assets at June 30, 2026, up 7.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.87% of loans from 0.52% a year earlier. It earns about $2.59 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Delinquency has appeared in its $454 million non-owner-occupied commercial real estate book: 1.15% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, First Savings Bank reported a CET1 capital ratio of 23.63%, a return on assets of 2.59%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 2.87%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, First Savings Bank is the 14th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $1.59B, loans rose 2.0% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 37.7% of total loans, ahead of credit card loans at 13.8%. Its 24 offices in the FDIC Summary of Deposits are in 22 cities across 6 states; its Henderson office books 14% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N 3rd St, Beresford, SD 57004
- County
- Union
- Metro Area
- Sioux City, Ia-Ne-SD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1989
- Domestic offices
- 24 FDIC institution directory, current count
- Employees (FTE)
- 217
- Domestic deposits
- $1.27B
- Allowance for credit losses
- $64.8M
- Net charge-offs (YTD)
- $24.2M
- Average total assets
- $1.61B
- Average total loans
- $1.19B
- Average interest-bearing deposits
- $930.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32629
- Fed RSSD
- 67656
- Website
- firstsavingsbanks.com →
- Parent Holding Company
- BERESFORD BANCORPORATION, INC. (RSSD 1128219)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Savings Bank's total assets moved between a low of $1.36B (Q3 2023) and a high of $1.59B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.59B total assets against $1.49B; $1.29B total liabilities against $1.22B.
$1.14B net loans and leases against $1.04B; $1.27B total deposits against $1.20B.
$324.5M securities against $278.4M; $77.7M cash and balances due against $112.0M.
$35.6M total interest income against $33.9M; $4.3M total interest expense against $4.2M.
$31.4M net interest income against $29.6M.
$9.7M total noninterest income against $9.7M; $17.0M total noninterest expense against $16.1M.
$10.4M provision for credit losses against $10.7M.
$10.4M net income against $9.6M.
2.59% return on assets against 2.59%; 7.86% net interest margin against 7.99%.
23.63% CET1 capital ratio against 22.46%; 19.25% tier 1 leverage ratio against 18.33%.
Inside the full First Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Savings Bank rankings
Its closest position to the top of a national ranking is 142 of 3,611, for ROA; its furthest is 1,901 of 3,640, for Texas Ratio.
Metric pages for First Savings Bank: ROA, CET1 ratio, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.18% (Q3 2024) to 2.59% (Q2 2026) and its net interest margin ran from 7.76% (Q1 2026) to 8.16% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.63% | 2.59% | 0.90% | 2.87% | 7.86% |
| Q1 2026 | 23.22% | 2.56% | 0.81% | 2.61% | 7.76% |
| Q4 2025 | 22.74% | 2.29% | 0.87% | 2.75% | 8.06% |
| Q3 2025 | 22.76% | 2.39% | 0.56% | 1.71% | 8.00% |
| Q2 2025 | 22.46% | 2.59% | 0.53% | 1.75% | 7.99% |
| Q1 2025 | 21.83% | 2.32% | 0.54% | 1.82% | 8.00% |
| Q4 2024 | 21.09% | 2.34% | 0.62% | 2.16% | 8.07% |
| Q3 2024 | 20.52% | 2.18% | 0.82% | 2.87% | 8.16% |
Swipe the table sideways to see every column.
Branch Network
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Henderson Br | Henderson , NV | 89012 | $183.1M |
| Lake Havasu City Branch | Lake Havasu City , AZ | 86406 | $126.9M |
| First Savings Bank (main office) | Beresford , SD | 57004 | $107.4M |
| Ruidoso Branch | Ruidoso , NM | 88345 | $105.9M |
| Deming Branch | Deming , NM | 88030 | $96.4M |
| Sisseton Br | Sisseton , SD | 57262 | $92.0M |
| Britton Branch | Britton , SD | 57430 | $76.8M |
| T Or C Branch | Truth Or Consequences , NM | 87901 | $72.8M |
| Alamogordo Br | Alamogordo , NM | 88310 | $67.7M |
| El Paso Mesa Branch | El Paso , TX | 79902 | $67.4M |
| Las Cruces Branch | Las Cruces , NM | 88011 | $41.4M |
| Silver City Branch | Silver City , NM | 88061 | $41.2M |
| Sioux Falls Branch | Sioux Falls , SD | 57108 | $27.8M |
| First Svg Bk - Springfield Branch | Springfield , SD | 57062 | $20.8M |
| Hecla Branch | Hecla , SD | 57446 | $18.8M |
| Omaha Branch | Omaha , NE | 68124 | $17.6M |
| Flandreau Branch | Flandreau , SD | 57028 | $17.5M |
| Parker Branch | Parker , SD | 57053 | $17.0M |
| Bristol Branch | Bristol , SD | 57219 | $15.0M |
| El Paso East Branch | El Paso , TX | 79936 | $14.8M |
| El Paso West Branch | El Paso , TX | 79932 | $14.1M |
| Veblen Branch | Veblen , SD | 57270 | $11.4M |
| Waubay Branch | Waubay , SD | 57273 | $10.2M |
| Tularosa Branch | Tularosa , NM | 88352 | $7.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired Western Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 2018 | Structure Change | Acquired The Roberts County National Bank of Sisseton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 14, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 3, 2002 | Structure Change | Acquired First American Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1995 | Structure Change | Acquired Sun World Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 1995 | Structure Change | Acquired Home Federal Savings Bank of New Mexico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 3, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 1988 | Structure Change | Acquired Marshall County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 31, 1987 | Structure Change | Acquired State Bank of Waubay Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 4 against individuals associated with it
- Period: Most recent action October 15, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 25 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 68 loans originated, $35.7M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $2.3M approved, $325K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Savings Bank
What are First Savings Bank's total assets?
As of the Q2 2026 filing, First Savings Bank reported total assets of $1.59 billion in its FFIEC call report.
Where is First Savings Bank headquartered?
It is headquartered in Beresford, SD, United States.
When was First Savings Bank founded?
It was established in 1989, per the FDIC institution directory.
Is First Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (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.
What is First Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Savings Bank operate?
It operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Savings Bank's Texas Ratio?
Its Texas Ratio is 2.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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