BlastPoint's Banking Scorecard

Black Hills Community Bank, N.A.

$100M-$1B Specialty: Commercial SD FDIC cert 58723

Rapid City, SD

2 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Black Hills Community Bank, N.A. has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 30.3% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 11.59% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.25% below tier average

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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 ?	$495.9M -3.1% YoY +0.8% QoQ	+$109.8M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$362.7M +5.7% YoY -1.4% QoQ	+$107.0M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$443.8M -5.6% YoY +1.6% QoQ	+$115.8M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.73% +55.1% YoY +29.0% QoQ	+0.46%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	3.69% +20.8% YoY +8.0% QoQ	-0.25%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	53.70% -16.1% YoY -6.1% QoQ	-11.59%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	81.74% +11.9% YoY -2.9% QoQ	+5.10%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	19.17% +13.5% YoY -4.9% QoQ	-2.85%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.86% +12.4% YoY +4.2% QoQ	-3.97%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.10% +55.7% YoY -71.3% QoQ	-0.18%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	54%

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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 (1)

Profitability Leader

growth

#203 of 666 • Top 30.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

567

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.27%

#567 of 2664 Top 21.2% in $100M-$1B

616

Efficiency Ratio

profitability

Value: 53.70%

Peer Median: 65.29%

#616 of 2664 Top 23.1% in $100M-$1B

643

Total Loans

size

Value: $362.73M

Peer Median: $255.72M

#643 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available