🏦Bank Scorer

FIRST WESTERN FEDERAL SAVINGS BANK

RAPID CITY, SD · Supervised by OTS

Est. 1979FDIC #31,972
Satisfactory Same

Current rating · Exam: January 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.16%

Institution Profile

FDIC BankFind

Address

402 Main St, RAPID CITY, SD

County

Pennington County

Established

June 6, 1979

Total Assets

$66M(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

January 10, 2007

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 19 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

$66M

Total Deposits

$44M

Net Loans

$57M

Net Income

$357K

ROA

2.16%

ROE

13.03%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.94%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$38M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246959.42%15.94%
20237956.96%13.92%
202212662.7%18.25%
202119169.11%10.47%
202016055%19.38%
201919851.01%19.70%
201820853.85%15.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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