Estelline, SD · Cert 16221 · Big Sioux Financial Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #20 of 42 inst. · $0.2B of $1127.8B
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 | 0.33% | 0.41% | 0.46% | 0.64% | 0.73% | 0.88% | 1.05% | 1.14% | +51 bps | |
| Return on Equity | 5.89% | 7.26% | 7.43% | 10.22% | 11.24% | 13.05% | 13.35% | 14.39% | +417 bps | |
| Net Interest Margin | 1.97% | 2.02% | 2.30% | 2.54% | 2.65% | 2.69% | 3.05% | 3.11% | +57 bps | |
| Efficiency Ratio | 80.90% | 78.05% | 78.93% | 73.09% | 69.94% | 66.30% | 61.59% | 58.91% | -1,418 bps | |
| Non-Interest Burden | 1.51% | 1.48% | 1.74% | 1.74% | 1.72% | 1.61% | 1.75% | 1.68% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | -2.54% | -4.58% | -5.66% | -5.60% | -2.28% | 1.48% | 6.46% | +1,212 bps | |
| Loan Growth (YoY) | 0.14% | -2.25% | -2.47% | -1.42% | 1.47% | 4.92% | 11.33% | 11.90% | +1,332 bps | |
| Deposit Growth (YoY) | -1.48% | 5.48% | -3.13% | -4.11% | -6.31% | -2.87% | 2.52% | 7.57% | +1,168 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.55% | 0.66% | 0.66% | 0.65% | 0.38% | 0.27% | 0.26% | -39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.05% | 0.01% | 0.03% | +3 bps | |
| Allowance / Loans | 0.98% | 0.99% | 1.02% | 0.99% | 0.96% | 0.90% | 0.86% | 0.82% | -17 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.5x | 1.5x | 1.5x | 2.4x | 3.2x | 3.1x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 8.95% | 9.36% | 9.84% | 10.10% | 10.14% | 10.41% | 10.49% | +65 bps | |
| Total Risk-Based Capital | 13.74% | 14.38% | 14.71% | 15.10% | 14.75% | 15.38% | 14.81% | 14.82% | -28 bps | |
| Equity / Assets | 6.31% | 5.84% | 6.44% | 6.37% | 7.42% | 7.72% | 7.95% | 8.18% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.67% | 71.60% | 73.83% | 76.70% | 79.78% | 77.34% | 80.17% | 79.79% | +309 bps | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.07% | 0.02% | 0.03% | 0.02% | 0.03% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 242% | 241% | 239% | n/a | n/a | |