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BDI
FS

First Savings Bank

Beresford, South DakotaFDIC Cert #32629

OCCEstablished 198924 branches

Holding company: FARRAR BERESFORD BCORP IRREVOCABLE TRRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.10%
+10.2%y/y
Peer standing7th percentile
Peer standing in ubpr:primary:101
FDICP3ASSET + LNLSGR
90+ %
0.01%
−30.2%y/y
Peer standing22nd percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + LNLSGR
Nonaccrual %
0.80%
+50.8%y/y
Peer standing24th percentile
Peer standing in ubpr:primary:101
FDICNAASSET + LNLSGR
Noncurrent %
0.81%
+49.6%y/y
Peer standing27th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.60%
+49.6%y/y
Peer standing28th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$9.55M
+59.6%y/y
Peer standing50th percentile
Peer standing in ubpr:primary:101
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
4.34%
−16.0%y/y
Peer standing1st percentile
Peer standing in ubpr:primary:101
FDICNTLNLS + LNLSGR
NCO
$12.4M
−13.4%y/y
Peer standing1st percentile
Peer standing in ubpr:primary:101
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
5.60%
−12.6%y/y
Percentile by value100th percentileby value
Peer standing in ubpr:primary:101
FDICLNATRES + LNLSGR
30–89
$12.9M
+17.6%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:101
FDICP3ASSET
90+
$64K
−25.6%y/y
Peer standing23rd percentile
Peer standing in ubpr:primary:101
FDICP9ASSET
Nonaccrual
$9.49M
+60.8%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:101
FDICNAASSET