Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #32629 · Beresford, South Dakota · Est. 1989
First Savings Bank - FDIC Bank Health Profile
A community-scale look at First Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- A
- Health grade · Excellent
- 2.40%
- Return on assets
- 22.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Savings Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 22.74% Tier 1, profitable at 2.40% ROA, efficient (41% cost ratio).
- #732
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 22.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Savings Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Savings Bank's composite health score
Tier 1 Capital Ratio (22.74%) 40/40
Return on Assets (ROA) (2.40%) 25/25
Texas Ratio (2.83%) 20/20
Efficiency Ratio (41.39%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$36M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Savings Bank's score of 100/100 falls in the highlighted band.
First Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Savings Bank's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.74%
Texas Ratio
2.83%
Equity Capital
$290M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.40%
Return on Equity (ROE)
13.29%
Efficiency Ratio
41.39%
What the numbers say about First Savings Bank
First Savings Bank is an FDIC-insured institution (Certificate #32629) headquartered in Beresford, South Dakota, established in 1989. It holds $1.5B in total assets - 732nd of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.1B in net loans. Its capital position: a Tier 1 ratio of 22.74%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.83% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Savings Bank sits 14th of 56 banks headquartered in South Dakota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$136M
Interest Income
$40M
Non-Interest Income
$66M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Savings Bank reports a Texas Ratio of 2.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Savings Bank (FDIC Cert #32629) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is First Savings Bank's health grade?▼
First Savings Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Savings Bank?▼
First Savings Bank holds $1.5B in total assets and $1.2B in deposits, ranking 732nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Beresford, South Dakota.
Is my money safe at First Savings Bank?▼
Yes, deposits at First Savings Bank (Certificate #32629) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Savings Bank's Tier 1 Capital Ratio?▼
First Savings Bank has a Tier 1 Capital Ratio of 22.74%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Savings Bank?▼
First Savings Bank has a Texas Ratio of 2.83%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Savings Bank?▼
First Savings Bank has an Efficiency Ratio of 41.39%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Savings Bank's profile as a depositor or analyst.
- First Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Savings Bank against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.