First Savings Bank
Beresford, SD
IDRSSD: 67656
Total Assets
$1.54B
Latest filing
Total Deposits
$1.24B
Latest filing
Net Interest Margin
8.32%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Savings Bank
201 N 3rd St
Beresford, SD 57004
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1989FDIC Certificate 45463
Branches (23)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| First Savings Bank (Main) | 201 N 3rd St | Beresford, SD |
| ALAMOGORDO BR | 500 9th St | Alamogordo, NM |
| TULAROSA BRANCH | 201 St Francis Dr | Tularosa, NM |
| SISSETON BR | 5 E Maple St | Sisseton, SD |
| SILVER CITY BRANCH | 1221 N Hudson St | Silver City, NM |
| T OR C BRANCH | 915 N Date St | Truth Or Consequences, NM |
| RUIDOSO BRANCH | 2713 Sudderth Dr | Ruidoso, NM |
| BRITTON BRANCH | 600 Main St | Britton, SD |
Showing 7 of 23
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1989 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57004 |
| State and County Number | 46127 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Sioux City, IA-NE-SD |
Operational Info
| Number of Employees | 215 |
| Domestic Offices | 24 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | firstsavingsbanks.com |
| Data Updated | 01/30/2026 |
| CERT | 32629 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.54B |
| Total Deposits | $1.24B |
| Total Liabilities | $1.25B |
| Total Equity Capital | $289.68M |
| Net Income | $8.76M |
| Net Loans and Leases | $1.10B |
| Assets Per Employee ($Millions) | $7.24M |
| Bank Premises and Fixed Assets | $18.50M |
| Cash and Balances due from Depository Institutions | $81.88M |
| Deposits Held in Domestic Offices | $1.24B |
Key Performance Ratios
| Return on Assets (ROA) | 2.29% |
| Return on Equity (ROE) | 12.28% |
| Net Interest Margin | 8.32% |
| Efficiency Ratio | 42.04% |
| Tier 1 Risk-Based Capital Ratio | 22.736% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.791% |
| Earning Assets to total Assets | 95.69% |
Income and Expense
| Total Interest Income | $34.73M |
| Total Noninterest Income | $9.80M |
| Total Interest Expense | $4.39M |
| Total Noninterest Expense | $16.90M |
| Net Interest Income | $30.34M |
| Pre-tax Net Operating Income | $11.39M |
| Provision for Credit Losses | $11.85M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.58M |
| Total Liabilities and Capital | $1.54B |
Securities
| Securities | $304.35M |
| Available-for-sale debt securities | $195.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $108.39M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Savings Bank?
$1.54B as of the latest filing.
How much are First Savings Bank's total deposits?
$1.24B in total deposits.
Where is First Savings Bank located?
Beresford, SD.
What is the Net Interest Margin?
8.32%.
How many domestic offices does it operate?
24.
When was it established?
01/01/1989.
What is the Return on Assets (ROA)?
2.29%.
How much are total loans and leases?
$1.10B (latest filing).
What is the total interest income (latest filing)?
$34.73M.