BlastPoint's Banking Scorecard

Great Plains Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 505

Eureka, SD

3 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 +3.3% year over year ($120.6M on the books).
Delinquency rate 3.55%.
Return on assets 1.85%.
Efficiency ratio 52.71% vs a 64.48% peer average.
Loan-to-deposit ratio 89.35% 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) →

Great Plains Bank has 3 strengths but faces 6 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

+ ROA 0.53% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 11.77% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 33.3% in tier
- Liquidity Overhang: Bottom 35.0% in tier
- Margin Compression: Bottom 40.4% in tier
- Delinquency Rate 2.63% above tier average
- Nonperforming Asset Ratio 1.87% above tier average
- Non-Interest Income / Assets 0.53% below tier average

Get updates when Great Plains 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 ?	$150.4M +3.6% YoY -0.6% QoQ	-$236.1M	$386.6M +1.2% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	Bottom 14.0% in tier
Total Loans ?	$107.7M +3.7% YoY -2.4% QoQ	-$150.6M	$258.3M +1.7% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$120.6M +3.3% YoY -0.4% QoQ	-$206.2M	$326.7M +0.7% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	Bottom 12.0% in tier
Return on Assets ?	1.85% -46.5% YoY -23.5% QoQ	+0.53%	1.32% +10.8% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	4.10% -26.3% YoY -5.9% QoQ	+0.11%	3.99% +5.0% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	52.71% +58.6% YoY +27.2% QoQ	-11.77%	64.48% -3.2% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	3.55% +142.9% YoY	+2.63%	0.92% +15.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	Bottom 4.4% in tier
Loan-to-Deposit Ratio ?	89.35% +0.4% YoY -2.0% QoQ	+11.40%	77.95% +1.0% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	27%
Non-Interest-Bearing Deposit Share ?	14.41% -12.7% YoY -9.8% QoQ	-7.62%	22.03% -0.6% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	2.54% +143.1% YoY	+1.87%	0.67% +16.4% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Bottom 4.7% in tier
Tier 1 Capital Ratio ?	17.69% +3.0% YoY +1.1% QoQ	+1.78%	15.91% +1.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.04% -5.2% YoY +34.9% QoQ	-0.53%	0.57% +7.6% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Bottom 3.3% 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	14.4% -2.1pp YoY -1.6pp QoQ	-7.7pp	22.1%	23.5%	22.2%	21%
Brokered Deposits	n/a	n/a	7.9%	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	7.4% -0.4pp YoY +1.1pp QoQ	-4.2pp	11.6%	14.1%	12.5%	35%
CRE	17.9% -1.4pp YoY -0.3pp QoQ	-21.6pp	39.5%	31.5%	41.4%	15%
1-4 Family	4.6% +0.6pp YoY +0.6pp QoQ	-28.0pp	32.6%	14.9%	31.3%	4%
Consumer	5.2% -0.3pp YoY -2.1pp QoQ	+1.0pp	4.1%	8.5%	5.0%	78%

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	17.7% +0.5pp YoY +0.2pp QoQ	+5.5pp	12.2%	11.9%	12.6%	94%
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	21 0 YoY 0 QoQ	-38	58	6,279	482	12%
Assets per Employee ($)	$7.2M +3.6% YoY -0.6% QoQ	-$355K	$7.5M	$8.1M	$8.8M	55%
Branch Count	3 0 YoY 0 QoQ	-2	4	92	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	3.5% +2.1pp YoY +3.4pp QoQ	+2.6pp	0.9%	1.0%	1.0%	96%
Allowance Coverage	0.49x -55.5% YoY -95.4% QoQ	-23.67x	24.15x	96.54x	20.23x	10%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.7%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	10.6% -10.2pp YoY -3.4pp QoQ	-1.6pp	12.2%	12.4%	11.6%	40%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	50%
Net Income ($, YTD)	$1.4M -44.7% YoY — QoQ	-$1.1M	$2.6M	$418.8M	$40.4M	39%

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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 (3)

Cost Spiral

risk

#47 of 138 • Bottom 33.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 52.71%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#261 of 742 • Bottom 35.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.69%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 89.35%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline

#125 of 307 • Bottom 40.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.85%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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).

Compare against:

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

Top Strengths (3 metrics)

462

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.32%

#462 of 2643 Top 17.4% in $100M-$1B

533

Tier 1 Capital Ratio

capital

Value: 17.69%

Peer Median: 15.91%

#533 of 2643 Top 20.1% in $100M-$1B

593

Efficiency Ratio

profitability

Value: 52.71%

Peer Median: 64.48%

#593 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (7 metrics)

2556

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2556 of 2643 Bottom 3.3% in $100M-$1B

2518

Delinquency Rate

credit_quality

Value: 3.55%

Peer Median: 0.92%

#2518 of 2633 Bottom 4.4% in $100M-$1B

2521

Nonperforming Asset Ratio

credit_quality

Value: 2.54%

Peer Median: 0.67%

#2521 of 2643 Bottom 4.7% in $100M-$1B

2326

Total Deposits

size

Value: $120.56M

Peer Median: $326.73M

#2326 of 2643 Bottom 12.0% in $100M-$1B

2273

Total Assets

size

Value: $150.44M

Peer Median: $386.57M

#2273 of 2643 Bottom 14.0% in $100M-$1B

2080

Total Loans

size

Value: $107.72M

Peer Median: $258.35M

#2080 of 2643 Bottom 21.3% in $100M-$1B

2066

Non-Interest-Bearing Deposit Share

funding

Value: 14.41%

Peer Median: 22.03%

#2066 of 2643 Bottom 21.9% in $100M-$1B