BlastPoint's Banking Scorecard

Campbell County Bank, Inc.

$100M-$1B Specialty: Agricultural SD FDIC cert 16161

Herreid, SD

4 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Campbell County Bank, Inc. has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 48.0% in tier
+ Net Interest Margin 0.72% above tier average
+ Efficiency Ratio 16.08% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 22.29% above tier average
- Delinquency Rate 0.05% above tier average

Get updates when Campbell County Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$247.1M +14.8% YoY +3.9% QoQ	-$139.0M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$201.0M +16.7% YoY +5.3% QoQ	-$54.7M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$203.2M +36.6% YoY +1.0% QoQ	-$124.8M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	2.13% +9.6% YoY +1.5% QoQ	+0.86%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Top 9.7% in tier
Net Interest Margin ?	4.65% +5.5% YoY +0.9% QoQ	+0.72%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 14.1% in tier
Efficiency Ratio ?	49.20% +7.0% YoY +6.5% QoQ	-16.08%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	Top 14.6% in tier
Delinquency Rate ?	0.94% +102.9% YoY -7.6% QoQ	+0.05%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	98.92% -14.6% YoY +4.3% QoQ	+22.29%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	Bottom 9.8% in tier
Non-Interest-Bearing Deposit Share ?	16.60% -3.3% YoY +6.2% QoQ	-5.42%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.76% +106.3% YoY -6.4% QoQ	+0.12%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	12.31% -7.1% YoY -10.8% QoQ	-3.52%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.09% +3.3% YoY -78.6% QoQ	-0.19%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#321 of 666 • Top 48.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.13%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

260

Return on Assets

profitability

Value: 2.13%

Peer Median: 1.27%

#260 of 2664 Top 9.7% in $100M-$1B

376

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.93%

#376 of 2664 Top 14.1% in $100M-$1B

391

Efficiency Ratio

profitability

Value: 49.20%

Peer Median: 65.29%

#391 of 2664 Top 14.6% in $100M-$1B

Top Weaknesses (1 metrics)

2405

Loan-to-Deposit Ratio

liquidity

Value: 98.92%

Peer Median: 76.64%

#2405 of 2664 Bottom 9.8% in $100M-$1B