Plains Commerce Bank
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
$1.3BAssets
$1.1BLoans
$1.1BDeposits
$139.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 58% of banks $1B-$10B in assets operating in a single state (rank 109 of 258).
- Widest gap: efficiency ratio trails 95% of banks $1B-$10B in assets operating in a single state (rank 244 of 257).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $24.5M · efficiency ratio beats 5% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |