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Black Hills Community Bank, N.A.

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

Rapid City, SD

2 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 -4.0% year over year ($430.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.71%.
  • Efficiency ratio 54.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.67% 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) →

Black Hills Community Bank, N.A. has 4 strengths but faces 3 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

  • + Profitability Leader: Top 43.9% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 10.35% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 15.0% in tier
  • - Deposit Outflow: Bottom 46.4% in tier
  • - Net Interest Margin 0.28% below tier average
Get updates when Black Hills Community Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $489.7M
+0.0% YoY -1.2% QoQ
+$103.1M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $368.8M
+4.8% YoY +1.7% QoQ
+$110.4M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $430.4M
-4.0% YoY -3.0% QoQ
+$103.7M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 1.71%
+31.9% YoY -0.8% QoQ
+0.39% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 3.71%
+16.2% YoY +0.6% QoQ
-0.28% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 54.13%
-10.5% YoY +0.8% QoQ
-10.35% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 85.67%
+9.1% YoY +4.8% QoQ
+7.72% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 20.23%
+5.2% YoY +5.5% QoQ
-1.80% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.44%
+15.4% YoY +4.9% QoQ
-3.46% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.20%
+26.1% YoY +94.5% QoQ
-0.36% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
50%

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 20.2%
+1.0pp YoY
+1.1pp QoQ
 -1.9pp 22.1% 23.5% 22.2% 46%
Brokered Deposits 3.7%
-6.8pp YoY
+0.1pp QoQ
 -4.1pp 7.9% 8.7% 8.5% 44%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 11.3%
+0.3pp YoY
+0.7pp QoQ
 -0.3pp 11.6% 14.1% 12.5% 60%
CRE 66.0%
-1.6pp YoY
+1.9pp QoQ
 +26.4pp 39.5% 31.5% 41.4% 90%
1-4 Family 14.3%
+1.6pp YoY
-0.2pp QoQ
 -18.4pp 32.6% 14.9% 31.3% 18%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 8.5% 5.0% 7%

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 12.4%
+1.7pp YoY
+0.6pp QoQ
 +0.3pp 12.2% 11.9% 12.6% 69%
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 50
-2 (-3.8%) YoY
0 QoQ
 -9 58 6,279 482 53%
Assets per Employee ($) $9.8M
+4.0% YoY
-1.2% QoQ
 +$2.3M $7.5M $8.1M $8.8M 85%
Branch Count 2
0 YoY
0 QoQ
 -3 4 92 18 11%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 96.54x 20.23x n/a
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
 -0.2pp 0.1% 0.7% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 17.1%
+1.0pp YoY
-0.6pp QoQ
 +4.9pp 12.2% 12.4% 11.6% 78%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 79%
Net Income ($, YTD) $4.2M
+31.8% YoY
— QoQ
 +$1.7M $2.6M $418.8M $40.4M 82%

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
#291 of 661 • Top 43.9% in tier

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

Why this signature
Return on Assets: 1.71%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Capital Constraint

risk
#17 of 107 • Bottom 15.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 85.67%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.44%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Deposit Outflow

decline
#249 of 535 • Bottom 46.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
625
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#625 of 2643 Top 23.6% in $100M-$1B
638
Total Loans
size
Value: $368.76M
Peer Median: $258.35M
#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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