Eureka, SD · Cert 505 · Great Plains Bank Corp.
State charter, non-member · FDIC · 3 branches
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
80
Asset Quality
52
Profitability
59
Liquidity
42
Efficiency
81
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.
Eureka, SD · Cert 505 · Great Plains Bank Corp.
State charter, non-member · FDIC · 3 branches
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 | 1.86% | 1.86% | 4.07% | 2.87% | 2.59% | 2.27% | 1.94% | 1.50% | -137 bps | |
| Return on Equity | 11.91% | 11.86% | 24.98% | 17.18% | 15.32% | 13.41% | 11.20% | 8.58% | -860 bps | |
| Net Interest Margin | 4.06% | 4.03% | 6.40% | 5.25% | 5.10% | 4.84% | 4.15% | 3.91% | -134 bps | |
| Efficiency Ratio | 44.53% | 44.89% | 20.94% | 33.23% | 34.12% | 39.18% | 41.43% | 52.71% | +1,948 bps | |
| Non-Interest Burden | 1.75% | 1.76% | 1.25% | 1.69% | 1.69% | 1.85% | 1.66% | 2.03% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.07% | 0.02% | 5.87% | 4.53% | 1.77% | 4.11% | 2.38% | 3.63% | -90 bps | |
| Loan Growth (YoY) | 5.95% | 1.95% | 6.64% | 2.51% | 4.16% | 6.83% | 3.57% | 3.84% | +133 bps | |
| Deposit Growth (YoY) | 1.06% | 2.64% | 4.38% | 2.82% | -0.27% | 1.11% | 2.29% | 3.34% | +51 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.71% | 1.24% | 0.56% | 1.44% | 0.07% | 0.02% | 0.16% | 3.49% | +205 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.62% | 1.57% | 1.53% | 1.57% | 1.69% | 1.65% | 1.66% | 1.70% | +13 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.3x | 2.8x | 1.1x | 23.8x | 80.8x | 10.6x | 0.5x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.44% | 16.14% | 16.86% | 17.17% | 17.20% | 17.42% | 17.50% | 17.69% | +52 bps | |
| Total Risk-Based Capital | 16.44% | 16.14% | 16.86% | 17.17% | 17.20% | 17.42% | 17.50% | 17.69% | +52 bps | |
| Equity / Assets | 16.03% | 15.77% | 16.81% | 17.47% | 17.60% | 17.01% | 17.61% | 17.80% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.31% | 86.78% | 91.57% | 90.44% | 89.10% | 91.69% | 92.72% | 90.89% | +45 bps | |
| Liquid Assets / Assets | 6.20% | 5.91% | 5.25% | 5.24% | 4.66% | 4.41% | 4.40% | 3.99% | -125 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 75.73% | 73.12% | 74.65% | n/a | n/a | |
Eureka, SD · Cert 505 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Great Plains Bank Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.52%
Rank 167 of 746
Net Interest Margin
3.91%
Rank 287 of 746
Efficiency Ratio
52.71%
Rank 144 of 746
Equity / Assets
17.80%
Rank 55 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.52% | 0.72% | 1.06% | 1.45% | Beats 78% | 167 / 746 | ||
| Return on Equity | 8.51% | 6.74% | 10.51% | 13.63% | Beats 38% | 465 / 746 | ||
| Net Interest Margin | 3.91% | 3.17% | 3.68% | 4.16% | Beats 62% | 287 / 746 | ||
| Efficiency Ratio | 52.71% | 55.74% | 64.58% | 75.47% | Beats 81% | 144 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.49% | 0.09% | 0.42% | 1.07% | Beats 4% | 716 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.69% | 11.55% | 13.75% | 17.60% | Beats 75% | 183 / 746 | ||
| Total Risk-Based Capital Ratio | 17.69% | 11.71% | 14.33% | 18.43% | Beats 72% | 209 / 746 | ||
| Equity / Assets | 17.80% | 8.90% | 10.51% | 13.06% | Beats 93% | 55 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.89% | 61.31% | 78.27% | 90.78% | 75th pctl | 185 / 746 | ||
| Loans / Assets | 72.84% | 53.60% | 66.97% | 76.08% | 65th pctl | 259 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||