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Campbell County Bank, Inc.

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

Herreid, SD

4 branches across SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits +32.5% year over year ($195.9M on the books).
  • Delinquency rate 0.59%.
  • Return on assets 2.19%.
  • Efficiency ratio 46.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

Campbell County Bank, Inc. has 4 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

  • + Return on Assets 0.87% above tier average
  • + Net Interest Margin 1.00% above tier average
  • + Efficiency Ratio 17.92% below tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 27.4% in tier
  • - Loan-to-Deposit Ratio 23.23% above tier average
Get updates when Campbell County Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $240.7M
+17.1% YoY -2.6% QoQ
-$145.9M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $198.2M
+20.8% YoY -1.4% QoQ
-$60.1M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $195.9M
+32.5% YoY -3.6% QoQ
-$130.8M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 2.19%
+3.3% YoY +2.8% QoQ
+0.87% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Top 9.0% in tier
Net Interest Margin ? 4.99%
+9.1% YoY +7.1% QoQ
+1.00% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Top 8.2% in tier
Efficiency Ratio ? 46.56%
+6.0% YoY -5.4% QoQ
-17.92% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
Top 11.0% in tier
Delinquency Rate ? 0.59%
+9.5% YoY -37.0% QoQ
-0.33% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 101.19%
-8.8% YoY +2.3% QoQ
+23.23% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 8.7% in tier
Non-Interest-Bearing Deposit Share ? 17.41%
+1.6% YoY +4.9% QoQ
-4.62% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.49%
+13.0% YoY -36.2% QoQ
-0.18% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 12.93%
-5.6% YoY +5.1% QoQ
-2.97% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.16%
-8.0% YoY +90.2% QoQ
-0.40% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Noninterest-Bearing 17.4%
+0.3pp YoY
+0.8pp QoQ
 -4.7pp 22.1% 23.5% 22.2% 33%
Brokered Deposits 2.6%
-0.2pp YoY
-4.8pp QoQ
 -5.3pp 7.9% 8.7% 8.5% 35%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 9.8%
+3.3pp YoY
+0.4pp QoQ
 -1.8pp 11.6% 14.1% 12.5% 52%
CRE n/a n/a 39.5% 31.5% 41.4% n/a
1-4 Family 0.1%
-0.1pp YoY
0.0pp QoQ
 -32.5pp 32.6% 14.9% 31.3% 0%
Consumer 0.9%
0.0pp YoY
0.0pp QoQ
 -3.2pp 4.1% 8.5% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.6% 19.7% n/a
Leverage Ratio 12.9%
-0.8pp YoY
+0.6pp QoQ
 +0.8pp 12.2% 11.9% 12.6% 74%
Total Capital Ratio n/a n/a 19.9% 18.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 28
+7 (+33.3%) YoY
+2 (+7.7%) QoQ
 -31 58 6,279 482 24%
Assets per Employee ($) $8.6M
-12.2% YoY
-9.5% QoQ
 +$1.1M $7.5M $8.1M $8.8M 75%
Branch Count 4
+1 (+33.3%) YoY
0 QoQ
 -1 4 92 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 2%
Nonaccrual 0.6%
+0.1pp YoY
-0.3pp QoQ
 -0.3pp 0.9% 1.0% 1.0% 57%
Allowance Coverage 2.95x
-3.3% YoY
+73.6% QoQ
 -21.21x 24.15x 96.54x 20.23x 58%
Net Charge-off Rate (YTD) -0.0%
0.0pp QoQ
 -0.2pp 0.1% 0.7% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 16.8%
+1.1pp YoY
+0.2pp QoQ
 +4.6pp 12.2% 12.4% 11.6% 76%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 72%
Net Income ($, YTD) $2.7M
+20.1% YoY
— QoQ
 +$96K $2.6M $418.8M $40.4M 64%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#345 of 1256 • Bottom 27.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.59%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

219
Net Interest Margin
profitability
Value: 4.99%
Peer Median: 3.99%
#219 of 2643 Top 8.2% in $100M-$1B
240
Return on Assets
profitability
Value: 2.19%
Peer Median: 1.32%
#240 of 2643 Top 9.0% in $100M-$1B
292
Efficiency Ratio
profitability
Value: 46.56%
Peer Median: 64.48%
#292 of 2643 Top 11.0% in $100M-$1B

Top Weaknesses (1 metrics)

2415
Loan-to-Deposit Ratio
liquidity
Value: 101.19%
Peer Median: 77.95%
#2415 of 2643 Bottom 8.7% in $100M-$1B
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