# FIRST SAVINGS BANK
BERESFORD, SD · FDIC certificate 32629 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.59B | |
| Deposits | $1.27B | |
| Loans and leases | $1.20B | |
| Total equity | $307.6M | |
| Loans / deposits | 89.58% (p58 of band) | 87.10% |
| Liquid assets / assets | 25.23% (p65 of band) | |
| Uninsured deposits / deposits | 44.22% (p82 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.25% (p97 of band) | 10.50% |
| Unrealized securities loss / equity | -7.31% (p52 of band) | -7.75% |
| AOCI / equity | -0.51% (p34 of band) | |
| ROA (annualized) | 2.61% (p97 of band) | 1.26% |
| Net interest margin | 8.18% (p99 of band) | 3.70% |
| Efficiency ratio | 41.59% (p10 of band) | |
| Noncurrent loans | 0.90% (p70 of band) | 0.51% |
| Net charge-offs (annualized) | 3.07% (p99 of band) | |
| Reserve coverage of noncurrent | 599.03% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 20.13% (p17 of band) | |
| Auto loans | $5.9M (0.49% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 217 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 | uninsured deposits leaving | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-12-09 [First Savings Bank’s new home has room for growth - Argus Leader](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPX2NDMTN1TXlobWMtMGRLS0p2N2lkcVM0bnRLNG5fd1VFb1NrTmpMUDE2Tzd6elZ6STA4VTBLbjJ4cl9CY01hZDdvbWc0NGdWTjMxYV9NSzJBaGlrUjJCejd3Zk9SN3NjdklvWnc5eEd4WnBGQ0E2NmhtRmVuVll4QVZYdDZtWmdHdGpPR1lGR2twUGFXTVFrcXNiX0FWVlVEb295X3pwakVnN1Z3U3hpSC1yZ2E1enpO?oc=5) · Argus Leader
- 2025-03-07 [First Savings Bank – Henderson Named NAIOP Financial Firm of the Year for Third Consecutive Year - Nevada Business Magazine](https://news.google.com/rss/articles/CBMiygFBVV95cUxOM18yc250MkpLWm5RQjhaeVRiOHdSaW81UTZROHJtaTdEeFJINl9fN1FHYjF0TDZWdVFDdzVIRzBxaGVSbkc5bjg1dlFJT0NlM1BnWEtTbmREMl9aUzFxdm5yOXFfaXN4NzdUMklqRE5yMGFYUGNnLWlUXzZaMmlMZ1Exb0c1OFBOZXdna0Q3cGhFM3RGVGZmOWNkMkVxZVZOWFNCU2lMSXBzVEFWMU9MSlROelRzSS1vMFp5NEdRanNFR3FxX05RdG5B?oc=5) · Nevada Business Magazine
- 2023-03-28 [SVB’s closure rocked banking world. Can it happen in South Dakota? - South Dakota News Watch](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Xbnc0Slkxc08xSkUtSExDcTJrZXNGSnJVb1U1cjRGcHNWMDVsTF9adnBhWjJkVDZrd092akZ1SDRObTRsUEF5Z1VVMU1kWnRaYXhBMHRVSUUwVE5UVlhsYWFqNWltUG5fRDN1blVQQzYxMm5ydUlXZGw3VXB6UQ?oc=5) · South Dakota News Watch
- 2021-08-19 [2021 Pigskin Preview magazine available now! - Dakota News Now](https://news.google.com/rss/articles/CBMijgFBVV95cUxOc0xldTBLbFRLTHpTZXVITmpPMjVNbFF1MUJfc1cxT0VFMWlqalFIcWlIV2k1R0xtTS1zeXE1SnpJdF80bmJSTVZsOTJlZHE2c2w5Wkl5dExYUXBkM3NMWHZCdlRZaTBaY2ZBZFhuSUc5cGpzQkFlT2xoTzFNTHN1cDV4M2FJb3pnQTI2MnlR0gGiAUFVX3lxTFBRZjl6VGdrQWVzVHZEMlA3dXprazVjMTJHWVQ4ekpKUW5faGhWcS02Tm9tWDMzUzZEYjU0TW1IZW42VE51NFJZSmZkLXd0cFVxY0hpUzhDLVg1N0hZSjByMHdaeXRsWkE0ZC1wb2pzbk1EWFViR2MyQ0VIR1FiR08xZmdLRmRwMHVjYk9tMVR0UXUyWGpXSUdTazMxVE1RVTlqQQ?oc=5) · Dakota News Now
- 2024-11-05 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5PRW9PeW9SclZaaEthcE5HSV9zV1BjZW5kZDVmUE0wY2VZLWEwbDRIQWo5WnpjamdhTVpRUFhxYVZlOGtSVjZSUVNlYUFlbGc3dFhqeWQ3dlBKZw?oc=5) · SiouxFalls.Business
- 2017-12-07 [Gary F. Pfahler - - Altoona Mirror](https://news.google.com/rss/articles/CBMidEFVX3lxTFBHLW90MGhzclIyVjNSbmxUZjB1YVNwQzFZb2tJRWF1WExwOTk4MlloMk1tNjZCa0Q1WWtqSWU4bGM4OXRzcDJ4RXlITmEzeWcxaW83VXlSbkFtenJoNVVyNjJaR2MzazdzQl9yYWZHOFkxUENM?oc=5) · Altoona Mirror
- 2017-09-12 [Hardie named Sibley State Bank president - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMivgFBVV95cUxQM0oxZTgtdDk3NFNwUWV4QWhIU3l5clExS0xEU2wwV0Z0OXlNa1l4RWtIeHAweXZYSXJ3SzgtaThmQzFBWEtGcGdWaHIyWDA4RGNGQ1hoR0dwZEFIb3E3dW92dGczLThXM0lodFdUMHd1TlJfVjZ0YW1lbDdfX3VjLW1OUi1VZGFjQ1J5VktXWWp6Unc0NGlxSzVQanNTYndiSURXUXJHaWJvVXpiZmo2dFlSaXpwMnVwRW1DWTNB?oc=5) · The N'West Iowa REVIEW
- 2024-08-21 [Where to pick up your copy of the Pigskin Preview - Dakota News Now](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZjlXR3FOUUlmdmI3T1Z0VzRrc1kyenBLd2tlQVB3RFFJejZLNjk4RjhGdXlQczFJSmtKRVY3TWtTUDB5WU9LUFJYUFMyWDRIejZ1OHRpcENVemM2c25vZklTbkRDb1FyaUxoRjZPMjh0SnJhRFd0RFFqMjhjaFVBMW95dkhjYkRv?oc=5) · Dakota News Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32629 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "32629", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide