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Plains Commerce Bank

Sioux Falls, SD · Cert 1678 · Plains Commerce Financial Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$139.9MEquity
Loan mix
92%RE $854.8M6%C&I $59.2M1%Consumer $12.5MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $884.1M18%Noninterest $194.2MQ2 2025Q2 2026

NIM

5.79%Q2 ’245.72%Q2 ’255.72%Q2 ’26+5%+13%

Non-interest income vs. expense

8.12%Q2 ’247.34%Q2 ’257.56%Q2 ’26+25%+43%

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #13 of 42 inst. · $0.4B of $1127.8B

0.1% Minnehaha
14.3% Brown
10.6% Codington
60.2% Potter

Executive Summary

  • Earnings: ROA of 0.88%, down 29 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.22% of loans (-27 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.03%, down 35 bps from a year ago.
  • Funding: loans stand at 100.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.88%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+39 bps YoY

Efficiency Ratio (quarter, annualized)

85.82%+278 bps YoY

Tier 1 Leverage Ratio

10.03%-35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.24%1.20%1.32%0.88%-29 bps
Return on Equity10.97%11.74%11.36%12.57%8.33%-264 bps
Net Interest Margin3.00%3.26%3.23%3.24%3.39%+39 bps
Efficiency Ratio83.04%82.64%80.03%82.52%85.82%+278 bps
Non-Interest Burden1.48%1.58%1.56%1.57%2.13%+64 bps
Growth
Asset Growth (YoY)-0.64%5.02%3.00%9.03%3.68%+432 bps
Loan Growth (YoY)-2.52%4.50%4.41%9.65%5.48%+801 bps
Deposit Growth (YoY)6.39%3.01%4.32%7.99%6.13%-26 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.21%1.11%1.24%1.22%-27 bps
Net Charge-Offs / Loans0.11%0.11%0.09%-0.04%0.08%-3 bps
Allowance / Loans1.02%0.95%0.96%0.91%0.97%-6 bps
Allowance Coverage of NPLs0.7x0.8x0.9x0.7x0.8x+0.1x
Capital
Tier 1 Leverage Ratio10.38%10.81%10.26%10.66%10.03%-35 bps
Total Risk-Based Capital10.38%10.81%10.26%10.66%10.03%-35 bps
Equity / Assets10.67%10.53%10.58%10.35%10.77%+10 bps
Liquidity & Funding
Loans / Deposits101.17%103.97%103.79%104.24%100.55%-61 bps
Liquid Assets / Assets3.35%2.38%1.94%2.27%1.59%-176 bps
CRE / Total Capitaln/a231%242%238%n/an/a