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State Bank of Eagle Butte

Eagle Butte, SD · Cert 18145

State charter, non-member · FDIC · 1 branch

Q2 2026

$80.3MAssets
$31.0MLoans
$70.9MDeposits
$9.0MEquity
Loan mix
14%RE $2.7M9%C&I $1.6M77%Consumer $14.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $52.1M26%Noninterest $18.8MQ2 2025Q2 2026

NIM

6.12%Q2 ’246.31%Q2 ’256.55%Q2 ’26+5%+2%

Non-interest income vs. expense

5.13%Q2 ’245.30%Q2 ’255.38%Q2 ’26+5%+6%

Executive Summary

  • Earnings: ROA of 1.08%, down 8 bps year over year; NIM at 5.91%.
  • Asset quality: problem loans at 0.07% of loans (-133 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 12.37%, up 97 bps from a year ago.
  • Funding: loans stand at 43.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%-8 bps YoY

Net Interest Margin (YTD, annualized)

5.91%+13 bps YoY

Efficiency Ratio (YTD, annualized)

78.11%+173 bps YoY

Tier 1 Leverage Ratio

12.37%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.18%1.15%1.36%1.08%-8 bps
Return on Equity12.07%11.97%11.62%13.03%10.14%-193 bps
Net Interest Margin5.78%5.79%5.39%5.59%5.91%+13 bps
Efficiency Ratio76.38%73.75%73.74%75.33%78.11%+173 bps
Non-Interest Burden4.14%3.94%3.65%3.89%4.40%+26 bps
Growth
Asset Growth (YoY)13.31%6.61%10.13%-3.00%2.67%-1,064 bps
Loan Growth (YoY)1.97%3.46%2.24%-1.58%-0.75%-272 bps
Deposit Growth (YoY)12.59%5.95%9.21%-4.65%1.91%-1,068 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.27%1.43%0.15%0.07%-133 bps
Net Charge-Offs / Loans1.06%0.57%0.58%1.40%0.73%-33 bps
Allowance / Loans2.62%2.93%3.09%2.89%2.75%+13 bps
Allowance Coverage of NPLs1.9x2.3x2.2x19.3x38.8x+36.9x
Capital
Tier 1 Leverage Ratio11.40%11.85%11.03%11.75%12.37%+97 bps
Total Risk-Based Capital23.15%22.80%23.25%24.99%24.73%+158 bps
Equity / Assets10.53%10.56%10.10%10.76%11.16%+63 bps
Liquidity & Funding
Loans / Deposits44.92%45.83%39.82%40.62%43.75%-117 bps
Liquid Assets / Assets8.73%8.23%7.48%7.57%7.59%-113 bps
CRE / Total Capitaln/a3.03%7.22%1.55%n/an/a