Eureka, SD · Cert 505 · Great Plains Bank Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 1.83% | 4.07% | 1.65% | 2.07% | 1.32% | 1.94% | 1.06% | -59 bps | |
| Return on Equity | 11.74% | 11.50% | 24.98% | 9.61% | 11.81% | 7.65% | 11.20% | 5.98% | -363 bps | |
| Net Interest Margin | 4.09% | 4.21% | 6.40% | 4.08% | 4.83% | 4.20% | 4.15% | 3.65% | -42 bps | |
| Efficiency Ratio | 43.29% | 45.93% | 20.94% | 52.71% | 36.04% | 57.42% | 41.43% | 65.77% | +1,306 bps | |
| Non-Interest Burden | 1.73% | 1.91% | 1.25% | 2.13% | 1.69% | 2.39% | 1.66% | 2.39% | +26 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 | -0.46% | 0.00% | 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 | |