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Campbell County Bank

Herreid, SD · Cert 16161

State charter, non-member · FDIC · 4 branches

Q2 2026

$240.7MAssets
$201.7MLoans
$195.9MDeposits
$32.3MEquity
Loan mix
70%RE $48.6M27%C&I $19.0M3%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $161.8M17%Noninterest $34.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.81%, up 5 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.58% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.93%, down 76 bps from a year ago.
  • Funding: loans stand at 102.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.81%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+40 bps YoY

Efficiency Ratio (YTD, annualized)

46.56%+265 bps YoY

Tier 1 Leverage Ratio

12.93%-76 bps YoY

NIM

6.49%Q2 ’246.30%Q2 ’256.40%Q2 ’26-2%+10%

Non-interest income vs. expense

2.12%Q2 ’242.11%Q2 ’252.41%Q2 ’26+5%+18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.78%1.61%1.75%1.81%1.74%1.75%1.81%+5 bps
Return on Equity14.21%13.14%12.23%13.02%13.14%12.74%13.62%13.87%+85 bps
Net Interest Margin4.30%4.21%4.10%4.17%4.31%4.10%4.26%4.58%+40 bps
Efficiency Ratio42.41%44.91%46.00%43.91%43.34%46.18%49.20%46.56%+265 bps
Non-Interest Burden1.68%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 / Loans0.47%0.49%0.46%0.53%1.20%1.00%0.92%0.58%+5 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.03%0.01%-0.01%0.00%0 bps
Allowance / Loans1.58%1.53%1.49%1.62%1.65%1.65%1.57%1.71%+9 bps
Allowance Coverage of NPLs3.3x3.1x3.3x3.0x1.4x1.6x1.7x2.9x-0.1x
Capital
Tier 1 Leverage Ratio13.93%14.28%13.25%13.70%14.72%13.80%12.31%12.93%-76 bps
Total Risk-Based Capital13.93%14.28%13.25%13.70%14.72%13.80%12.31%12.93%-76 bps
Equity / Assets14.00%13.74%12.68%13.98%14.74%13.21%12.45%13.40%-58 bps
Liquidity & Funding
Loans / Deposits104.88%118.77%117.54%112.73%115.21%96.47%100.50%102.95%-978 bps
Liquid Assets / Assets0.92%0.46%0.48%0.89%0.48%1.26%1.17%1.50%+61 bps
CRE / Total Capitaln/an/an/an/a33.24%37.04%36.98%n/an/a