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 | |