Eagle Butte, SD · Cert 18145
State charter, non-member · FDIC · 1 branch
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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
39
Profitability
67
Liquidity
0
Efficiency
21
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.
Eagle Butte, SD · Cert 18145
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.95% | 1.17% | 1.54% | 1.16% | 1.18% | 1.15% | 1.36% | 1.08% | -8 bps | |
| Return on Equity | 10.03% | 12.42% | 16.71% | 12.07% | 11.97% | 11.62% | 13.03% | 10.14% | -193 bps | |
| Net Interest Margin | 5.56% | 5.39% | 6.03% | 5.78% | 5.79% | 5.39% | 5.59% | 5.91% | +13 bps | |
| Efficiency Ratio | 73.43% | 70.61% | 73.45% | 76.38% | 73.75% | 73.74% | 75.33% | 78.11% | +173 bps | |
| Non-Interest Burden | 3.77% | 3.49% | 4.16% | 4.14% | 3.94% | 3.65% | 3.89% | 4.40% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -2.77% | 25.76% | 13.31% | 6.61% | 10.13% | -3.00% | 2.67% | -1,064 bps | |
| Loan Growth (YoY) | 3.76% | 4.98% | -1.32% | 1.97% | 3.46% | 2.24% | -1.58% | -0.75% | -272 bps | |
| Deposit Growth (YoY) | -6.60% | -3.95% | 27.05% | 12.59% | 5.95% | 9.21% | -4.65% | 1.91% | -1,068 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.34% | 2.97% | 1.69% | 1.40% | 1.27% | 1.43% | 0.15% | 0.07% | -133 bps | |
| Net Charge-Offs / Loans | 0.75% | 0.96% | 1.16% | 1.06% | 0.57% | 0.58% | 1.40% | 0.73% | -33 bps | |
| Allowance / Loans | 3.09% | 2.92% | 2.74% | 2.62% | 2.93% | 3.09% | 2.89% | 2.75% | +13 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.6x | 1.9x | 2.3x | 2.2x | 19.3x | 38.8x | +36.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.69% | 11.16% | 11.29% | 11.40% | 11.85% | 11.03% | 11.75% | 12.37% | +97 bps | |
| Total Risk-Based Capital | 21.80% | 22.33% | 22.65% | 23.15% | 22.80% | 23.25% | 24.99% | 24.73% | +158 bps | |
| Equity / Assets | 10.06% | 9.12% | 9.27% | 10.53% | 10.56% | 10.10% | 10.76% | 11.16% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.94% | 42.53% | 39.36% | 44.92% | 45.83% | 39.82% | 40.62% | 43.75% | -117 bps | |
| Liquid Assets / Assets | 9.36% | 7.61% | 7.63% | 8.73% | 8.23% | 7.48% | 7.57% | 7.59% | -113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 3.03% | 7.22% | 1.55% | n/a | n/a | |
Eagle Butte, SD · Cert 18145 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.11%
Rank 344 of 746
Net Interest Margin
5.91%
Rank 7 of 746
Efficiency Ratio
78.11%
Rank 591 of 746
Equity / Assets
11.16%
Rank 309 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 54% | 344 / 746 | ||
| Return on Equity | 9.98% | 6.74% | 10.51% | 13.63% | Beats 47% | 399 / 746 | ||
| Net Interest Margin | 5.91% | 3.17% | 3.68% | 4.16% | Beats 99% | 7 / 746 | ||
| Efficiency Ratio | 78.11% | 55.74% | 64.58% | 75.47% | Beats 21% | 591 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.09% | 0.42% | 1.07% | Beats 76% | 177 / 743 | ||
| Net Charge-Offs / Loans | 0.80% | 0.00% | 0.01% | 0.05% | Beats 1% | 734 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.47% | 11.55% | 13.75% | 17.60% | Beats 89% | 79 / 746 | ||
| Total Risk-Based Capital Ratio | 24.73% | 11.71% | 14.33% | 18.43% | Beats 90% | 78 / 746 | ||
| Equity / Assets | 11.16% | 8.90% | 10.51% | 13.06% | Beats 59% | 309 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.75% | 61.31% | 78.27% | 90.78% | 8th pctl | 690 / 746 | ||
| Loans / Assets | 38.62% | 53.60% | 66.97% | 76.08% | 7th pctl | 691 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||