Herreid, SD · Cert 16161
State charter, non-member · FDIC · 4 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
72
Profitability
84
Liquidity
0
Efficiency
87
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.
Herreid, SD · Cert 16161
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | 1.92% | 1.78% | 1.61% | 1.75% | 1.81% | 1.74% | 1.75% | 1.81% | +5 bps | |
| Return on Equity | 14.21% | 13.14% | 12.23% | 13.02% | 13.14% | 12.74% | 13.62% | 13.87% | +85 bps | |
| Net Interest Margin | 4.30% | 4.21% | 4.10% | 4.17% | 4.31% | 4.10% | 4.26% | 4.58% | +40 bps | |
| Efficiency Ratio | 42.41% | 44.91% | 46.00% | 43.91% | 43.34% | 46.18% | 49.20% | 46.56% | +265 bps | |
| Non-Interest Burden | 1.68% | 1.76% | 1.83% | 1.76% | 1.76% | 1.78% | 2.05% | 2.09% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.76% | 8.08% | 13.12% | 5.94% | 3.85% | 17.12% | 14.76% | 17.06% | +1,112 bps | |
| Loan Growth (YoY) | 17.91% | 14.62% | 16.50% | 6.95% | 9.29% | 18.68% | 16.82% | 20.96% | +1,401 bps | |
| Deposit Growth (YoY) | 20.70% | 10.45% | 9.84% | 5.46% | -0.50% | 46.11% | 36.64% | 32.45% | +2,699 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.49% | 0.46% | 0.53% | 1.20% | 1.00% | 0.92% | 0.58% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.03% | 0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.53% | 1.49% | 1.62% | 1.65% | 1.65% | 1.57% | 1.71% | +9 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.1x | 3.3x | 3.0x | 1.4x | 1.6x | 1.7x | 2.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.93% | 14.28% | 13.25% | 13.70% | 14.72% | 13.80% | 12.31% | 12.93% | -76 bps | |
| Total Risk-Based Capital | 13.93% | 14.28% | 13.25% | 13.70% | 14.72% | 13.80% | 12.31% | 12.93% | -76 bps | |
| Equity / Assets | 14.00% | 13.74% | 12.68% | 13.98% | 14.74% | 13.21% | 12.45% | 13.40% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.88% | 118.77% | 117.54% | 112.73% | 115.21% | 96.47% | 100.50% | 102.95% | -978 bps | |
| Liquid Assets / Assets | 0.92% | 0.46% | 0.48% | 0.89% | 0.48% | 1.26% | 1.17% | 1.50% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.24% | 37.04% | 36.98% | n/a | n/a | |
Herreid, SD · Cert 16161 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.81%
Rank 84 of 746
Net Interest Margin
4.58%
Rank 80 of 746
Efficiency Ratio
49.42%
Rank 99 of 746
Equity / Assets
13.40%
Rank 165 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.72% | 1.06% | 1.45% | Beats 89% | 84 / 746 | ||
| Return on Equity | 13.53% | 6.74% | 10.51% | 13.63% | Beats 74% | 194 / 746 | ||
| Net Interest Margin | 4.58% | 3.17% | 3.68% | 4.16% | Beats 89% | 80 / 746 | ||
| Efficiency Ratio | 49.42% | 55.74% | 64.58% | 75.47% | Beats 87% | 99 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.09% | 0.42% | 1.07% | Beats 43% | 423 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.93% | 11.55% | 13.75% | 17.60% | Beats 41% | 440 / 746 | ||
| Total Risk-Based Capital Ratio | 12.93% | 11.71% | 14.33% | 18.43% | Beats 36% | 477 / 746 | ||
| Equity / Assets | 13.40% | 8.90% | 10.51% | 13.06% | Beats 78% | 165 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.95% | 61.31% | 78.27% | 90.78% | 93rd pctl | 53 / 746 | ||
| Loans / Assets | 83.79% | 53.60% | 66.97% | 76.08% | 93rd pctl | 54 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||