Sioux Falls, SD · Cert 35444 · Bancorp Inc. the
National charter · OCC · 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
9
Profitability
98
Liquidity
45
Efficiency
94
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.
Sioux Falls, SD · Cert 35444 · Bancorp Inc. the
National charter · OCC · 1 branch
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.7% share · #3 of 42 inst. · $7.5B 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 | 2.98% | 2.90% | 2.80% | 2.90% | 2.90% | 2.81% | 2.87% | 2.94% | +4 bps | |
| Return on Equity | 26.58% | 26.45% | 28.44% | 28.63% | 28.60% | 28.21% | 31.71% | 31.84% | +321 bps | |
| Net Interest Margin | 6.13% | 5.78% | 5.39% | 5.73% | 5.94% | 5.83% | 5.20% | 5.13% | -59 bps | |
| Efficiency Ratio | 48.39% | 45.91% | 38.60% | 39.40% | 39.64% | 39.50% | 41.01% | 41.28% | +189 bps | |
| Non-Interest Burden | 2.18% | 1.66% | -0.12% | 0.03% | 0.08% | 0.06% | 0.33% | 0.37% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.33% | 13.17% | 18.51% | 8.58% | 6.18% | 7.38% | 5.48% | 4.30% | -428 bps | |
| Loan Growth (YoY) | 10.40% | 11.29% | 14.79% | 14.48% | 10.66% | 14.51% | 19.57% | 6.95% | -753 bps | |
| Deposit Growth (YoY) | 6.46% | 15.95% | 21.42% | 8.50% | 7.10% | 5.41% | 0.80% | -3.68% | -1,218 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.87% | 0.79% | 1.24% | 1.62% | 1.31% | 1.23% | 1.33% | +9 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.35% | 2.37% | 2.29% | 2.30% | 2.16% | 1.56% | 1.57% | -72 bps | |
| Allowance / Loans | 0.50% | 0.71% | 0.80% | 0.88% | 0.94% | 0.91% | 0.80% | 0.88% | 0 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 1.0x | 0.7x | 0.6x | 0.7x | 0.6x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 10.38% | 9.79% | 10.33% | 9.85% | 9.70% | 9.18% | 9.09% | -124 bps | |
| Total Risk-Based Capital | 15.67% | 16.06% | 16.24% | 16.83% | 15.77% | 15.13% | 15.10% | 15.32% | -151 bps | |
| Equity / Assets | 11.17% | 10.01% | 9.71% | 10.68% | 10.19% | 9.31% | 8.82% | 9.58% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.81% | 81.69% | 78.72% | 86.46% | 91.77% | 88.75% | 93.38% | 96.00% | +954 bps | |
| Liquid Assets / Assets | 0.58% | 6.48% | 10.78% | 3.72% | 0.87% | 1.12% | 0.59% | 0.77% | -296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 352% | 362% | 365% | n/a | n/a | |
Sioux Falls, SD · Cert 35444 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bancorp Inc. the
National charter · OCC · 1 branch
Q2 2026
Return on Assets
3.03%
Rank 6 of 258
Net Interest Margin
5.13%
Rank 7 of 258
Efficiency Ratio
41.32%
Rank 16 of 257
Equity / Assets
9.58%
Rank 164 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.03% | 0.93% | 1.23% | 1.54% | Beats 98% | 6 / 258 | ||
| Return on Equity | 31.59% | 9.26% | 11.84% | 14.74% | Beats 98% | 5 / 258 | ||
| Net Interest Margin | 5.13% | 3.16% | 3.49% | 3.88% | Beats 97% | 7 / 258 | ||
| Efficiency Ratio | 41.32% | 51.71% | 60.30% | 69.65% | Beats 94% | 16 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.19% | 0.46% | 0.90% | Beats 16% | 217 / 258 | ||
| Net Charge-Offs / Loans | 1.27% | 0.01% | 0.02% | 0.07% | Beats 2% | 253 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.27% | 11.41% | 12.98% | 15.12% | Beats 68% | 82 / 258 | ||
| Total Risk-Based Capital Ratio | 15.32% | 12.10% | 13.91% | 16.08% | Beats 69% | 80 / 258 | ||
| Equity / Assets | 9.58% | 9.09% | 10.24% | 11.72% | Beats 36% | 164 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.00% | 73.24% | 86.34% | 95.95% | 75th pctl | 64 / 258 | ||
| Loans / Assets | 78.08% | 63.01% | 72.27% | 78.40% | 72nd pctl | 72 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||