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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.00% | 1.19% | 1.48% | 1.70% | 1.17% | 1.62% | 1.39% | -9 bps | |
| Return on Equity | 13.58% | 11.86% | 13.68% | 16.02% | 17.36% | 11.80% | 16.16% | 13.40% | -262 bps | |
| Net Interest Margin | 2.62% | 2.98% | 3.18% | 3.32% | 3.55% | 3.57% | 3.63% | 3.65% | +33 bps | |
| Efficiency Ratio | 56.15% | 64.12% | 55.83% | 49.31% | 48.14% | 68.32% | 51.27% | 49.01% | -31 bps | |
| Non-Interest Burden | 1.19% | 1.62% | 1.53% | 1.33% | 1.35% | 2.16% | 1.56% | 1.47% | +14 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% | 0.00% | 0.00% | 0.06% | 0.02% | 0.02% | 0.00% | 0.25% | +20 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 | |