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 | |