Belle Fourche, SD · Cert 15562 · Belle Fourche Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
54
Profitability
68
Liquidity
0
Efficiency
80
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Belle Fourche, SD · Cert 15562 · Belle Fourche Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Rapid City, SD · 2026 SOD (annual) · 10.5% share · #4 of 11 inst. · $0.4B of $3.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.04% | 1.19% | 1.33% | 1.46% | 1.38% | 1.62% | 1.50% | +16 bps | |
| Return on Equity | 14.21% | 13.73% | 13.68% | 14.88% | 15.74% | 14.74% | 16.16% | 14.76% | -13 bps | |
| Net Interest Margin | 2.44% | 2.60% | 3.18% | 3.24% | 3.33% | 3.33% | 3.63% | 3.65% | +41 bps | |
| Efficiency Ratio | 57.04% | 59.03% | 55.83% | 52.48% | 50.92% | 55.79% | 51.27% | 50.14% | -233 bps | |
| Non-Interest Burden | 1.08% | 1.23% | 1.53% | 1.43% | 1.40% | 1.56% | 1.56% | 1.52% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | -7.95% | -6.48% | -4.06% | -3.42% | 6.50% | 2.97% | 5.29% | +936 bps | |
| Loan Growth (YoY) | 10.87% | 10.94% | 11.10% | 6.93% | 7.93% | 6.58% | 4.66% | 3.72% | -322 bps | |
| Deposit Growth (YoY) | 0.00% | 0.50% | -2.35% | 4.66% | 3.95% | 4.92% | 5.41% | 4.28% | -37 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.00% | 0.00% | 0.01% | 0.14% | 0.03% | 0.01% | 0.14% | +13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.03% | 0.02% | 0.02% | 0.00% | 0.13% | +10 bps | |
| Allowance / Loans | 1.13% | 1.10% | 1.07% | 1.09% | 1.09% | 1.09% | 1.05% | 1.15% | +6 bps | |
| Allowance Coverage of NPLs | 21.4x | 1385.3x | n/a | 128.4x | 7.6x | 33.2x | 91.5x | 8.1x | -120.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 10.35% | 10.93% | 11.15% | 11.36% | 10.91% | 11.30% | 11.61% | +47 bps | |
| Total Risk-Based Capital | 18.11% | 18.19% | 18.25% | 18.84% | 19.01% | 17.93% | 19.11% | 19.60% | +76 bps | |
| Equity / Assets | 8.47% | 8.43% | 8.96% | 9.51% | 10.10% | 9.70% | 10.33% | 10.42% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.47% | 58.34% | 63.52% | 61.55% | 63.82% | 59.27% | 63.06% | 61.22% | -33 bps | |
| Liquid Assets / Assets | 4.35% | 3.21% | 1.83% | 2.66% | 1.69% | 7.54% | 5.34% | 8.22% | +556 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 229% | 226% | 223% | n/a | n/a | |
Belle Fourche, SD · Cert 15562 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Belle Fourche Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.49%
Rank 71 of 258
Net Interest Margin
3.65%
Rank 96 of 258
Efficiency Ratio
50.14%
Rank 52 of 257
Equity / Assets
10.42%
Rank 121 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.93% | 1.23% | 1.54% | Beats 72% | 71 / 258 | ||
| Return on Equity | 14.29% | 9.26% | 11.84% | 14.74% | Beats 70% | 77 / 258 | ||
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 63% | 96 / 258 | ||
| Efficiency Ratio | 50.14% | 51.71% | 60.30% | 69.65% | Beats 80% | 52 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.19% | 0.46% | 0.90% | Beats 81% | 51 / 258 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 26% | 191 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.59% | 11.41% | 12.98% | 15.12% | Beats 90% | 26 / 258 | ||
| Total Risk-Based Capital Ratio | 19.60% | 12.10% | 13.91% | 16.08% | Beats 91% | 24 / 258 | ||
| Equity / Assets | 10.42% | 9.09% | 10.24% | 11.72% | Beats 53% | 121 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.22% | 73.24% | 86.34% | 95.95% | 8th pctl | 238 / 258 | ||
| Loans / Assets | 54.36% | 63.01% | 72.27% | 78.40% | 10th pctl | 232 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||