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Great Plains Bank

Eureka, SD · Cert 505 · Great Plains Bank Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$150.4MAssets
$109.6MLoans
$120.6MDeposits
$26.8MEquity
Loan mix
76%RE $46.8M11%C&I $6.9M13%Consumer $8.0MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $103.2M14%Noninterest $17.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.50%, down 137 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 3.49% of loans (+205 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.69%, up 52 bps from a year ago.
  • Funding: loans stand at 90.89% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.50%-137 bps YoY

Net Interest Margin (YTD, annualized)

3.91%-134 bps YoY

Efficiency Ratio (YTD, annualized)

52.71%+1,948 bps YoY

Tier 1 Leverage Ratio

17.69%+52 bps YoY

NIM

5.94%Q2 ’247.02%Q2 ’255.53%Q2 ’26+25%-25%

Non-interest income vs. expense

1.95%Q2 ’241.77%Q2 ’252.10%Q2 ’26-7%+20%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.86%4.07%2.87%2.59%2.27%1.94%1.50%-137 bps
Return on Equity11.91%11.86%24.98%17.18%15.32%13.41%11.20%8.58%-860 bps
Net Interest Margin4.06%4.03%6.40%5.25%5.10%4.84%4.15%3.91%-134 bps
Efficiency Ratio44.53%44.89%20.94%33.23%34.12%39.18%41.43%52.71%+1,948 bps
Non-Interest Burden1.75%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 / Loans1.71%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 / Loans1.62%1.57%1.53%1.57%1.69%1.65%1.66%1.70%+13 bps
Allowance Coverage of NPLs0.9x1.3x2.8x1.1x23.8x80.8x10.6x0.5x-0.6x
Capital
Tier 1 Leverage Ratio16.44%16.14%16.86%17.17%17.20%17.42%17.50%17.69%+52 bps
Total Risk-Based Capital16.44%16.14%16.86%17.17%17.20%17.42%17.50%17.69%+52 bps
Equity / Assets16.03%15.77%16.81%17.47%17.60%17.01%17.61%17.80%+34 bps
Liquidity & Funding
Loans / Deposits85.31%86.78%91.57%90.44%89.10%91.69%92.72%90.89%+45 bps
Liquid Assets / Assets6.20%5.91%5.25%5.24%4.66%4.41%4.40%3.99%-125 bps
CRE / Total Capitaln/an/an/an/a75.73%73.12%74.65%n/an/a