BlastPoint's Banking Scorecard
State Bank of Eagle Butte
Designations: ✓ Community bank
Eagle Butte, 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 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +1.9% year over year ($70.9M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.08%.
- Efficiency ratio 78.11% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.54% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Eagle Butte demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.05% above tier average
- + Non-Interest Income / Assets 0.89% below tier average
- + ROA 0.08% above tier average
- + Efficiency Ratio 41.28% below tier average
- + Delinquency Rate 1.41% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.3M
+2.7% YoY
-1.5% QoQ
|
+$17.8M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$30.1M
-0.9% YoY
+5.6% QoQ
|
-$4.7M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$70.9M
+1.9% YoY
-2.1% QoQ
|
+$19.2M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
1.08%
-7.0% YoY
-20.4% QoQ
|
+0.08% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
5.97%
-1.9% YoY
+3.8% QoQ
|
+2.05% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Top 2.4% in tier |
| Efficiency Ratio ? |
78.11%
+2.3% YoY
+3.7% QoQ
|
-41.28% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.07%
-94.9% YoY
-52.6% QoQ
|
-1.41% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
42.54%
-2.7% YoY
+7.8% QoQ
|
-31.67% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
26.50%
+5.0% YoY
-8.8% QoQ
|
+3.01% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.03%
-95.1% YoY
-49.2% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
23.47%
+7.2% YoY
-1.1% QoQ
|
-3.65% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.49%
-18.1% YoY
+45.3% QoQ
|
-0.89% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
Top 8.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
26.5%
+1.3pp YoY -2.5pp QoQ |
+1.9pp | 24.6% | 23.5% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.8%
-1.7pp YoY -1.0pp QoQ |
-8.6pp | 13.4% | 14.1% | 12.5% | 19% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
3.9%
-0.1pp YoY -0.3pp QoQ |
-31.1pp | 35.0% | 14.9% | 31.3% | 12% |
| Consumer |
47.0%
+1.2pp YoY -2.6pp QoQ |
+39.3pp | 7.7% | 8.5% | 5.0% | 99% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.5%
+1.6pp YoY -0.3pp QoQ |
-15.2pp | 38.7% | 17.6% | 19.7% | 58% |
| Leverage Ratio |
12.4%
+1.0pp YoY +0.6pp QoQ |
-5.3pp | 17.7% | 11.9% | 12.6% | 45% |
| Total Capital Ratio |
24.7%
+1.6pp YoY -0.3pp QoQ |
-14.9pp | 39.7% | 18.8% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY 0 QoQ |
+8 | 12 | 6,279 | 482 | 88% |
| Assets per Employee ($) |
$4.0M
+2.7% YoY -1.5% QoQ |
-$2.2M | $6.2M | $8.1M | $8.8M | 20% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-1.4pp YoY -0.1pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 9% |
| Allowance Coverage |
38.82x
+1976.0% YoY +101.2% QoQ |
+32.41x | 6.41x | 96.54x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
0.7%
-0.3pp YoY -0.6pp QoQ |
+0.6pp | 0.2% | 0.7% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
-1.9pp YoY -2.9pp QoQ |
+3.7pp | 6.4% | 12.4% | 11.6% | 62% |
| Cost of Funds (YTD) |
0.6%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 11% |
| Net Income ($, YTD) |
$447,000
-4.1% YoY — QoQ |
+$129K | $317,817 | $418.8M | $40.4M | 68% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.