TellerScore

Headquartered in Beresford, South Dakota, First Savings Bank is a savings bank with $1.6B in total assets and $1.3B in deposits as of Q2 2026. It operates 24 offices across 6 states. Its charter dates back to 1989.

Based on its Q2 2026 filing, First Savings Bank scores 83/100, which we describe as strong. That is higher than 94% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 12th. Its strongest component is capital cushion (100/100; 19.25%), and its lowest is funding & liquidity (38/100; 90% loans-to-deposits, 44% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 19.25%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings100/100
Return on assets (annualized): 2.61%
Funding & liquidity38/100
Loans ÷ deposits and uninsured-deposit share: 89.6% · 44.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (87 → 83), mostly because the loan quality component weakened by 12 points.

TellerScore
838587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202485
Q4 202486
Q1 202587
Q2 202587
Q3 202586
Q4 202583
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%12.13%19.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.81%
Q3 202417.17%
Q4 202417.52%
Q1 202518.02%
Q2 202518.33%
Q3 202518.71%
Q4 202519.00%
Q1 202619.11%
Q2 202619.25%
Noncurrent loans
0.53%0.71%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.82%
Q4 20240.62%
Q1 20250.54%
Q2 20250.53%
Q3 20250.56%
Q4 20250.87%
Q1 20260.81%
Q2 20260.90%
Return on assets
2.32%2.46%2.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.43%
Q3 20242.35%
Q4 20242.36%
Q1 20252.32%
Q2 20252.47%
Q3 20252.44%
Q4 20252.40%
Q1 20262.57%
Q2 20262.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.6B19.25%0.90%2.61%89.6%
Q1 202684$1.6B19.11%0.81%2.57%87.4%
Q4 202583$1.5B19.00%0.87%2.40%89.0%
Q3 202586$1.5B18.71%0.56%2.44%87.1%
Q2 202587$1.5B18.33%0.53%2.47%86.7%
Q1 202587$1.5B18.02%0.54%2.32%85.2%
Q4 202486$1.4B17.52%0.62%2.36%88.1%
Q3 202485$1.4B17.17%0.82%2.35%87.3%
Q2 202486$1.4B16.81%0.67%2.43%87.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.25%
98th
Total risk-based capital26.82%
97th
Problem loans0.90%
30th
Net charge-offs4.08%
1st
Return on assets2.61%
97th
Net interest margin8.18%
99th
Efficiency ratio41.6%
91st
Loans to deposits89.6%
42nd
Uninsured deposits44.2%
18th
Loan-loss reserves5.38%
99th
Texas ratio2.9%
58th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
CorTrust Bank National AssociationBank Mitchell, SD62 out of 100, Moderate$1.6B9.9%0.70%vs
1st Financial Bank USABank Dakota Dunes, SD74 out of 100, Strong$1.4B16.3%1.51%vs
Plains Commerce BankBank Sioux Falls, SD59 out of 100, Moderate$1.3B10.0%1.22%vs
BankWest, Inc.Bank Pierre, SD38 out of 100, Low$1.9B9.2%2.76%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
The First National Bank in Sioux FallsBank Sioux Falls, SD67 out of 100, Moderate$2.1B10.3%0.41%vs

Deposit insurance

Is my money safe at First Savings Bank?

Yes. First Savings Bank is an FDIC-insured institution (FDIC certificate #32629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.2% of deposits ($562.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 19.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.82% (benchmark: 10%).

Check how much of your own balance is covered

24 locations

Branches

First Savings Bank lists 24 offices in 22 cities across 6 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Savings Bank reported 93 home-loan applications under HMDA (LEI 254900PHRI1MCM69UM20): 68 originated ($35,660,000 total), 14 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Savings Bank
Former names
First Savings Bank, FSB
Type
Savings bank
FDIC certificate #
32629
RSSD ID
67656
Primary regulator
OCC
Holding company
Farrar Beresford Bcorp Irrevocable Tr
Established
January 1, 1989
Headquarters
201 N 3rd St, Beresford, SD 57004
Employees
217

Quick answers

First Savings Bank: common questions

Is First Savings Bank FDIC insured?

Yes. First Savings Bank is an FDIC-insured institution (FDIC certificate #32629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Savings Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Savings Bank ever failed?

There is no failure record for FDIC certificate #32629 in the FDIC failed bank list.

How many branches does First Savings Bank have?

24 offices as of the latest FDIC data, in 6 states.

Nearby

Highest-scoring banks and credit unions with branches near Beresford

InstitutionScoreAssetsCapitalProblem loansCompare
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
Farmers State Bank of CantonBank Canton, SD70 out of 100, Strong$81.6M8.7%0.00%vs