BlastPoint's Banking Scorecard

State Bank of Eagle Butte

under $100M Specialty: Agricultural SD FDIC cert 18145

Designations: ✓ Community bank

Eagle Butte, SD

541 banks in the under $100M peer group nationally 15 in SD

State Bank of Eagle Butte demonstrates 5 strengths

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

+ Net Interest Margin 1.89% above tier average
+ Non-Interest Income / Assets 0.33% below tier average
+ ROA 0.52% above tier average
+ Efficiency Ratio 13.01% below tier average
+ Delinquency Rate 1.22% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$81.5M -3.0% YoY -5.6% QoQ	+$19.4M	$62.2M -0.6% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$28.6M -1.7% YoY -4.3% QoQ	-$5.7M	$34.2M -1.4% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$72.4M -4.6% YoY -6.4% QoQ	+$20.7M	$51.7M -0.7% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.36% -11.6% YoY +17.9% QoQ	+0.52%	0.84% -2.3% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	5.75% -7.6% YoY -2.7% QoQ	+1.89%	3.86% +2.8% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 3.1% in tier
Efficiency Ratio ?	75.33% +2.6% YoY +2.2% QoQ	-13.01%	88.34% +0.3% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.15% -91.1% YoY -89.5% QoQ	-1.22%	1.37% +33.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	39.45% +3.1% YoY +2.2% QoQ	-24.77%	64.22% -0.7% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	29.04% -12.4% YoY +10.2% QoQ	+5.33%	23.71% +0.3% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.05% -91.0% YoY -89.4% QoQ	-0.73%	0.79% +28.2% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	23.73% +10.9% YoY +7.9% QoQ	-2.96%	26.68% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.34% +39.5% YoY -72.5% QoQ	-0.33%	0.67% +1.9% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 6.7% in tier

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 5.75%

Peer Median: 3.86%

#18 of 541 Top 3.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.67%

#37 of 541 Top 6.7% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 39.45%

Peer Median: 64.22%

#98 of 541 Top 17.9% in under $100M

120

Total Deposits

size

Value: $72.40M

Peer Median: $51.74M

#120 of 541 Top 22.0% in under $100M

123

Tier 1 Capital Ratio

capital

Value: 23.73%

Peer Median: 26.68%

#123 of 541 Top 22.6% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available