🏦Bank Scorer

FIRST SAVINGS BANK

BERESFORD, SD · Supervised by OTS

Est. 1989FDIC #32,629
Satisfactory Down

Current rating · Exam: May 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.57%

Institution Profile

FDIC BankFind

Address

201 N 3rd St, BERESFORD, SD

County

Union County

Established

January 1, 1989

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 30, 2008

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.3B

Net Loans

$1.1B

Net Income

$10M

ROA

2.57%

ROE

13.69%

Risk-Based Capital

26.45%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

24

Branch Deposits

$1.2B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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