BlastPoint's Banking Scorecard
Plains Commerce Bank
Designations: ✓ Community bank
Sioux Falls, SD
8 branches across SD
Plains Commerce Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18.1% in tier
- + Profitability Leader: Top 18.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.46% above tier average
- - Loan-to-Deposit Ratio 19.08% above tier average
- - Net Interest Margin 0.41% below tier average
- - Delinquency Rate 0.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+9.0% YoY
+2.9% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$1.1B
+9.8% YoY
+2.3% QoQ
|
-$860.6M |
$2.0B
+0.6% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$1.1B
+8.0% YoY
+1.8% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.59%
+737.9% YoY
+39.8% QoQ
|
+0.23% |
1.37%
+19.6% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
3.41%
+6.3% YoY
+0.9% QoQ
|
-0.41% |
3.82%
+6.9% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
82.52%
-15.6% YoY
-3.5% QoQ
|
+21.46% |
61.06%
-4.6% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate ? |
1.25%
-11.1% YoY
+11.7% QoQ
|
+0.36% |
0.89%
+14.1% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
103.29%
+1.7% YoY
+0.5% QoQ
|
+19.08% |
84.20%
+0.3% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.58%
+1.9% YoY
+0.3% QoQ
|
-2.70% |
21.29%
-2.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
1.19%
-5.0% YoY
+8.8% QoQ
|
+0.52% |
0.67%
+15.6% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.66%
+0.6% YoY
+3.8% QoQ
|
-4.50% |
15.16%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.2% in tier |
| Non-Interest Income / Assets ? |
1.48%
+17.1% YoY
-72.5% QoQ
|
+1.23% |
0.26%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
Top 1.7% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.