Sioux Falls, SD · Cert 1678 · Plains Commerce Financial Inc.
State charter, non-member · FDIC · 8 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
25
Asset Quality
30
Profitability
36
Liquidity
19
Efficiency
5
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.
Sioux Falls, SD · Cert 1678 · Plains Commerce Financial Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #13 of 42 inst. · $0.4B 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 | 0.45% | 0.52% | 0.16% | 0.66% | 0.85% | 0.94% | 1.32% | 1.10% | +45 bps | |
| Return on Equity | 4.30% | 4.91% | 1.50% | 6.25% | 8.11% | 8.97% | 12.57% | 10.44% | +419 bps | |
| Net Interest Margin | 2.77% | 2.73% | 3.01% | 2.94% | 3.09% | 2.99% | 3.24% | 3.22% | +27 bps | |
| Efficiency Ratio | 92.26% | 91.46% | 97.80% | 89.96% | 87.33% | 85.51% | 82.52% | 84.16% | -580 bps | |
| Non-Interest Burden | 2.09% | 1.98% | 2.82% | 2.09% | 1.95% | 1.77% | 1.57% | 1.80% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.21% | 5.40% | 5.11% | -0.64% | 5.02% | 3.00% | 9.03% | 3.68% | +432 bps | |
| Loan Growth (YoY) | 11.66% | 6.69% | 5.03% | -2.52% | 4.50% | 4.41% | 9.65% | 5.48% | +801 bps | |
| Deposit Growth (YoY) | 11.98% | 11.04% | 7.67% | 6.39% | 3.01% | 4.32% | 7.99% | 6.13% | -26 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.33% | 1.05% | 1.39% | 1.49% | 1.21% | 1.11% | 1.24% | 1.22% | -27 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.16% | 0.13% | 0.12% | 0.11% | -0.04% | 0.02% | -12 bps | |
| Allowance / Loans | 1.08% | 1.08% | 1.06% | 1.02% | 0.95% | 0.96% | 0.91% | 0.97% | -6 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 0.8x | 0.7x | 0.8x | 0.9x | 0.7x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.26% | 10.60% | 10.38% | 10.81% | 10.26% | 10.66% | 10.03% | -35 bps | |
| Total Risk-Based Capital | 10.32% | 10.26% | 10.60% | 10.38% | 10.81% | 10.26% | 10.66% | 10.03% | -35 bps | |
| Equity / Assets | 10.40% | 10.26% | 10.60% | 10.67% | 10.53% | 10.58% | 10.35% | 10.77% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.48% | 103.70% | 102.66% | 101.17% | 103.97% | 103.79% | 104.24% | 100.55% | -61 bps | |
| Liquid Assets / Assets | 1.93% | 2.59% | 2.60% | 3.35% | 2.38% | 1.94% | 2.27% | 1.59% | -176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 242% | 238% | n/a | n/a | |
Sioux Falls, SD · Cert 1678 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Plains Commerce Financial Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.12%
Rank 150 of 258
Net Interest Margin
3.22%
Rank 182 of 258
Efficiency Ratio
84.16%
Rank 244 of 257
Equity / Assets
10.77%
Rank 109 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.93% | 1.23% | 1.54% | Beats 42% | 150 / 258 | ||
| Return on Equity | 10.39% | 9.26% | 11.84% | 14.74% | Beats 36% | 164 / 258 | ||
| Net Interest Margin | 3.22% | 3.16% | 3.49% | 3.88% | Beats 29% | 182 / 258 | ||
| Efficiency Ratio | 84.16% | 51.71% | 60.30% | 69.65% | Beats 5% | 244 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.19% | 0.46% | 0.90% | Beats 18% | 212 / 258 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 42% | 151 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.03% | 11.41% | 12.98% | 15.12% | Beats 8% | 237 / 258 | ||
| Total Risk-Based Capital Ratio | 10.03% | 12.10% | 13.91% | 16.08% | Beats 8% | 237 / 258 | ||
| Equity / Assets | 10.77% | 9.09% | 10.24% | 11.72% | Beats 58% | 109 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.55% | 73.24% | 86.34% | 95.95% | 84th pctl | 40 / 258 | ||
| Loans / Assets | 83.48% | 63.01% | 72.27% | 78.40% | 90th pctl | 25 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||