First Savings Bank
Total assets
$1.59B
▲ +7.2% YoY
Deposits
$1.27B
▲ +5.6% YoY
Loans
$1.14B
▲ +9.2% YoY
Offices
24
FARRAR BERESFORD BCORP IRREVOCABLE TR
ROA (annualized)
2.61%
peers 1.26%
ROE (annualized)
13.74%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +5.5% | +1.8 pts |
| Deposit growth (YoY) | +5.6% | +5.1% | +0.6 pts |
| Loan growth (YoY) | +9.2% | +5.9% | +3.2 pts |
| ROA | 2.61% | 1.26% | +1.3 pts |
| ROE | 13.7% | 12.2% | +1.6 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
Profile
- Established
- 1989
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FARRAR BERESFORD BCORP IRREVOCABLE TR
- Specialization
- Commercial Lending Specialization
- Address
- 201 N 3rd St, Beresford, SD, 57004
- County
- Union
- Metro area
- Sioux City, IA-NE-SD
- Offices
- 24
- FDIC cert #
- 32629
- RSSD ID
- 67656
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.27B | $1.14B | $307.6M | $20.5M | 2.61% | 8.18% | 0.68% |
| Q1 2026 | $1.59B | $1.28B | $1.11B | $298.7M | $10.1M | 2.57% | 8.08% | 0.60% |
| Q4 2025 | $1.54B | $1.24B | $1.10B | $289.7M | $35.9M | 2.40% | 8.34% | 0.66% |
| Q3 2025 | $1.51B | $1.22B | $1.06B | $280.9M | $27.2M | 2.44% | 8.35% | 0.42% |
| Q2 2025 | $1.49B | $1.20B | $1.04B | $269.7M | $18.2M | 2.47% | 8.35% | 0.40% |
| Q1 2025 | $1.49B | $1.22B | $1.04B | $260.3M | $8.5M | 2.32% | 8.31% | 0.40% |
| Q4 2024 | $1.44B | $1.18B | $1.04B | $250.8M | $33.4M | 2.36% | 8.53% | 0.48% |
| Q3 2024 | $1.44B | $1.18B | $1.03B | $245.4M | $24.9M | 2.35% | 8.52% | 0.63% |
Loan mix (Q2 2026): real estate $918.2M · commercial $61.5M · consumer $181.0M · securities $324.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.61% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.18% | 3.70% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.6% | 59.0% | 9th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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