Philip, SD · Cert 3999 · Philip Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Rapid City, SD · 2026 SOD (annual) · 2.0% share · #10 of 11 inst. · $0.1B of $3.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.52% | 1.52% | 1.88% | 1.77% | +29 bps | |
| Return on Equity | 13.73% | 13.68% | 13.96% | 17.82% | 16.46% | +273 bps | |
| Net Interest Margin | 3.14% | 3.27% | 2.92% | 3.34% | 3.40% | +27 bps | |
| Efficiency Ratio | 43.97% | 44.18% | 44.26% | 31.87% | 34.98% | -899 bps | |
| Non-Interest Burden | 1.23% | 1.30% | 1.17% | 0.90% | 1.04% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.55% | 8.04% | 18.47% | 10.13% | 13.19% | +64 bps | |
| Loan Growth (YoY) | 3.23% | 5.21% | 12.53% | 14.69% | 8.25% | +501 bps | |
| Deposit Growth (YoY) | 12.09% | 7.71% | 18.52% | 9.76% | 13.51% | +143 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.41% | 1.40% | 1.37% | 1.37% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3850.0x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.23% | 12.77% | 11.33% | 11.67% | 12.05% | -18 bps | |
| Total Risk-Based Capital | 16.59% | 16.40% | 16.85% | 16.77% | 16.46% | -13 bps | |
| Equity / Assets | 11.53% | 11.97% | 10.16% | 10.94% | 11.25% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.59% | 76.45% | 60.33% | 66.87% | 70.18% | -342 bps | |
| Liquid Assets / Assets | 5.23% | 1.24% | 20.62% | 13.36% | 7.88% | +265 bps | |
| CRE / Total Capital | n/a | 86.77% | 84.06% | 83.96% | n/a | n/a | |