BlastPoint's Banking Scorecard

Plains Commerce Bank

$1B-$10B Specialty: Commercial SD FDIC cert 1678

Designations: ✓ Community bank

Sioux Falls, SD

8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +6.1% year over year ($1.1B on the books).
Delinquency rate 1.23%.
Return on assets 1.34%.
Efficiency ratio 84.16% vs a 59.73% peer average.
Loan-to-deposit ratio 99.58% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in SD

View $1B-$10B leaderboard (SD) →

Plains Commerce Bank has 1 strength but faces 5 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

+ Revenue Diversifier: Top 21.2% in tier

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 15.3% in tier
- Efficiency Ratio 24.43% above tier average
- ROA 0.05% below tier average
- Net Interest Margin 0.24% below tier average
- Delinquency Rate 0.36% above tier average

Get updates when Plains Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$1.3B +3.7% YoY -3.5% QoQ	-$1.5B	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$1.1B +5.5% YoY -2.8% QoQ	-$889.4M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$1.1B +6.1% YoY +0.9% QoQ	-$1.2B	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	1.34% +68.0% YoY -16.1% QoQ	-0.05%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	58%
Net Interest Margin ?	3.63% +11.3% YoY +6.5% QoQ	-0.24%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	84.16% -6.5% YoY +2.0% QoQ	+24.43%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	Bottom 3.8% in tier
Delinquency Rate ?	1.23% -18.3% YoY -1.9% QoQ	+0.36%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	99.58% -0.5% YoY -3.6% QoQ	+14.54%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	18.01% +7.9% YoY -3.1% QoQ	-3.26%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	1.09% -23.0% YoY -8.7% QoQ	+0.41%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	10.03% -3.4% YoY -5.9% QoQ	-4.81%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Bottom 6.0% in tier
Non-Interest Income / Assets ?	2.96% +8.5% YoY +99.7% QoQ	+2.43%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Top 1.9% in tier

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	18.0% +1.3pp YoY -0.6pp QoQ	-3.4pp	21.4%	23.5%	22.2%	40%
Brokered Deposits	10.8% -3.4pp YoY -2.5pp QoQ	+1.4pp	9.5%	8.7%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	6.1% +0.3pp YoY +0.7pp QoQ	-7.9pp	14.0%	14.1%	12.5%	24%
CRE	30.1% +0.5pp YoY +0.8pp QoQ	-20.0pp	50.0%	31.5%	41.4%	12%
1-4 Family	39.7% -3.9pp YoY -1.9pp QoQ	+13.2pp	26.4%	14.9%	31.3%	81%
Consumer	1.1% +0.1pp YoY 0.0pp QoQ	-3.6pp	4.7%	8.5%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.6%	19.7%	n/a
Leverage Ratio	10.0% -0.4pp YoY -0.6pp QoQ	-1.3pp	11.3%	11.9%	12.6%	37%
Total Capital Ratio	n/a	n/a	16.7%	18.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	442 +20 (+4.7%) YoY +21 (+5.0%) QoQ	+128	313	6,279	482	80%
Assets per Employee ($)	$2.9M -1.0% YoY -8.1% QoQ	-$7.5M	$10.5M	$8.1M	$8.8M	1%
Branch Count	8 0 YoY 0 QoQ	-12	20	92	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	63%
Nonaccrual	1.2% -0.3pp YoY 0.0pp QoQ	+0.4pp	0.8%	1.0%	1.0%	78%
Allowance Coverage	0.80x +15.7% YoY +8.3% QoQ	-17.91x	18.71x	96.54x	20.23x	16%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.7%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	12.7% +5.1pp YoY -2.6pp QoQ	+0.1pp	12.6%	12.4%	11.6%	53%
Cost of Funds (YTD)	2.6% -0.4pp YoY +0.1pp QoQ	+0.7pp	1.9%	1.7%	1.7%	87%
Net Income ($, YTD)	$8.8M +76.8% YoY — QoQ	-$10.4M	$19.2M	$418.8M	$40.4M	34%

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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)

Revenue Diversifier

growth

#48 of 222 • Top 21.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.96%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.34%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk

#35 of 222 • Bottom 15.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.03%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.96%

Peer Median: 0.53%

#18 of 885 Top 1.9% in $1B-$10B

Top Weaknesses (7 metrics)

852

Efficiency Ratio

profitability

Value: 84.16%

Peer Median: 59.73%

#852 of 885 Bottom 3.8% in $1B-$10B

833

Tier 1 Capital Ratio

capital

Value: 10.03%

Peer Median: 14.84%

#833 of 885 Bottom 6.0% in $1B-$10B

747

Loan-to-Deposit Ratio

liquidity

Value: 99.58%

Peer Median: 85.04%

#747 of 885 Bottom 15.7% in $1B-$10B

719

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.67%

#719 of 885 Bottom 18.9% in $1B-$10B

696

Total Deposits

size

Value: $1.08B

Peer Median: $2.32B

#696 of 885 Bottom 21.5% in $1B-$10B

685

Delinquency Rate

credit_quality

Value: 1.23%

Peer Median: 0.87%

#685 of 882 Bottom 22.4% in $1B-$10B

686

Total Assets

size

Value: $1.30B

Peer Median: $2.79B

#686 of 885 Bottom 22.6% in $1B-$10B