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First Savings Bank
Beresford, SD · FDIC Certificate #32629 · Chartered 01/0
Total assets
$1.59B
Total deposits
$1.27B
Total equity
$307.62M
Net loans
$1.14B
Branches (offices)
24
Net income (YTD)
$20.52M
Rank: #707 of 4,213 U.S. banks by assets · #14 of 56 in South Dakota. Assets changed 7.2% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.61% |
| Return on equity | 13.74% |
| Net interest margin (YTD) | 8.18% |
| Equity to assets | 19.30% |
| Tier 1 leverage ratio | 19.25% |
| Uninsured deposits (share of deposits) | 44.2% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | 4.08% |
| Loans to deposits | 89.6% |
| Real estate loans (share of loans) | 80.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $918.20M | 80.6% | |
| Commercial & industrial | $61.54M | 5.4% | |
| Consumer / individual | $180.97M | 15.9% | |
| Construction & development | $61.92M | 5.4% | |
| Agricultural | $42.55M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.36B | $1.14B | $16.45M | $190.86M |
| Jun 2023 | $1.37B | $1.12B | $8.71M | $209.77M |
| Jun 2024 | $1.43B | $1.17B | $17.02M | $235.68M |
| Jun 2025 | $1.49B | $1.20B | $18.16M | $269.65M |
| Jun 2026 | $1.59B | $1.27B | $20.52M | $307.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $433.25M | 7 |
| South Dakota | $414.72M | 11 |
| Nevada | $183.10M | 1 |
| Arizona | $126.90M | 1 |
| Texas | $96.20M | 3 |
| Nebraska | $17.59M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.27B.
Similar-sized banks
Alma Bank ($1.60B) · Transportation Alliance Bank, Inc. D/B/A Tab Bank ($1.59B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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