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Great Plains Bank

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

Eureka, SD

3 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

Great Plains Bank has 4 strengths 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

  • + Return on Assets 1.15% above tier average
  • + Efficiency Ratio 23.85% below tier average
  • + Net Interest Margin 0.43% above tier average
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 11.9% in tier
  • - Liquidity Strain: Bottom 16.8% in tier
  • - Liquidity Overhang: Bottom 31.0% in tier
  • - Margin Compression: Bottom 66.2% in tier
  • - Non-Interest Income / Assets 0.25% below tier average
Get updates when Great Plains Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $151.3M
+2.4% YoY -2.1% QoQ
-$234.8M $386.1M
+0.5% YoY
$68.7B
+9.0% YoY
$6.2B
+9.1% YoY
Bottom 14.6% in tier
Total Loans ? $110.4M
+3.4% YoY -0.6% QoQ
-$145.3M $255.7M
+1.1% YoY
$30.8B
+10.3% YoY
$3.2B
+10.8% YoY
23%
Total Deposits ? $121.0M
+2.3% YoY -1.7% QoQ
-$206.9M $328.0M
+0.1% YoY
$54.8B
+8.5% YoY
$4.8B
+8.2% YoY
Bottom 12.2% in tier
Return on Assets ? 2.42%
-50.6% YoY -10.6% QoQ
+1.15% 1.27%
+12.9% YoY
1.41%
+1.8% YoY
1.23%
+13.4% YoY
Top 5.4% in tier
Net Interest Margin ? 4.36%
-35.5% YoY -15.2% QoQ
+0.43% 3.93%
+6.0% YoY
4.19%
+0.4% YoY
3.89%
+5.7% YoY
76%
Efficiency Ratio ? 41.43%
+97.9% YoY +5.8% QoQ
-23.85% 65.29%
-4.5% YoY
64.00%
-0.6% YoY
66.95%
-4.1% YoY
Top 5.3% in tier
Delinquency Rate ? 0.16%
-71.7% YoY +670.0% QoQ
-0.73% 0.89%
+18.8% YoY
0.59%
+45.1% YoY
0.95%
+18.8% YoY
68%
Loan-to-Deposit Ratio ? 91.18%
+1.1% YoY +1.1% QoQ
+14.55% 76.64%
+0.8% YoY
71.70%
+0.3% YoY
76.70%
+0.9% YoY
22%
Non-Interest-Bearing Deposit Share ? 15.98%
-2.4% YoY -2.3% QoQ
-6.04% 22.02%
-1.0% YoY
23.74%
-0.7% YoY
22.01%
-1.2% YoY
28%
Nonperforming Asset Ratio ? 0.12%
-71.4% YoY +681.3% QoQ
-0.52% 0.64%
+19.7% YoY
0.41%
+39.3% YoY
0.67%
+19.3% YoY
68%
Tier 1 Capital Ratio ? 17.50%
+3.7% YoY +0.4% QoQ
+1.66% 15.83%
+1.5% YoY
15.79%
+0.8% YoY
17.06%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.03%
+0.1% YoY -61.6% QoQ
-0.25% 0.28%
+9.3% YoY
0.27%
+0.0% YoY
0.32%
+4.1% YoY
Bottom 6.7% in tier

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 (4)

Cost Spiral

risk
#16 of 126 • Bottom 11.9% 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: 41.43%
(Tier: 65.29%, National: 66.95%)
better than tier avg
126 of 126 Community banks match · 176 nationally
↑ Growing +82 banks QoQ

Liquidity Strain

risk
#109 of 643 • Bottom 16.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.18%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#230 of 739 • Bottom 31.0% 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: 17.50%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 91.18%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Margin Compression

decline
#203 of 305 • Bottom 66.2% 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: 2.42%
(Tier: 1.27%, National: 1.23%)
better than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

142
Efficiency Ratio
profitability
Value: 41.43%
Peer Median: 65.29%
#142 of 2664 Top 5.3% in $100M-$1B
146
Return on Assets
profitability
Value: 2.42%
Peer Median: 1.27%
#146 of 2664 Top 5.4% in $100M-$1B
554
Tier 1 Capital Ratio
capital
Value: 17.50%
Peer Median: 15.83%
#554 of 2664 Top 20.8% in $100M-$1B
637
Net Interest Margin
profitability
Value: 4.36%
Peer Median: 3.93%
#637 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (5 metrics)

2486
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.28%
#2486 of 2664 Bottom 6.7% in $100M-$1B
2341
Total Deposits
size
Value: $121.05M
Peer Median: $327.97M
#2341 of 2664 Bottom 12.2% in $100M-$1B
2275
Total Assets
size
Value: $151.31M
Peer Median: $386.08M
#2275 of 2664 Bottom 14.6% in $100M-$1B
2074
Loan-to-Deposit Ratio
liquidity
Value: 91.18%
Peer Median: 76.64%
#2074 of 2664 Bottom 22.2% in $100M-$1B
2055
Total Loans
size
Value: $110.38M
Peer Median: $255.72M
#2055 of 2664 Bottom 22.9% in $100M-$1B
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