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Black Hills Community Bank, National Association

Rapid City, SD · Cert 58723 · BHCB Holding Co.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Black Hills Community Bank, National Association

Rapid City, SD · Cert 58723 · BHCB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$489.7MAssets
$374.3MLoans
$430.4MDeposits
$51.6MEquity
Loan mix
89%RE $311.6M11%C&I $38.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $343.3M20%Noninterest $87.1MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.41%Q2 ’255.66%Q2 ’26+20%+17%

Non-interest income vs. expense

2.10%Q2 ’242.05%Q2 ’252.16%Q2 ’26+1%+2%

Market Position · Rapid City, SD · 2026 SOD (annual) · 9.3% share · #6 of 11 inst. · $0.4B of $3.9B

11.1% Pennington
6.7% Lawrence

Executive Summary

  • Earnings: ROA of 1.35%, up 32 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 12.44%, up 166 bps from a year ago.
  • Funding: loans stand at 86.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+52 bps YoY

Efficiency Ratio (YTD, annualized)

54.13%-634 bps YoY

Tier 1 Leverage Ratio

12.44%+166 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.04%1.06%1.36%1.35%+32 bps
Return on Equity12.67%12.53%12.35%13.90%13.42%+75 bps
Net Interest Margin3.06%3.16%3.25%3.52%3.58%+52 bps
Efficiency Ratio60.47%59.59%57.21%53.70%54.13%-634 bps
Non-Interest Burden1.73%1.75%1.70%1.70%1.75%+3 bps
Growth
Asset Growth (YoY)1.95%2.13%2.91%-3.07%0.02%-193 bps
Loan Growth (YoY)9.22%6.84%8.75%5.69%4.86%-436 bps
Deposit Growth (YoY)12.04%10.29%0.93%-5.57%-3.99%-1,603 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.09%-9 bps
Allowance / Loans1.42%1.41%1.39%1.44%1.48%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.78%11.19%11.39%11.86%12.44%+166 bps
Total Risk-Based Capital10.78%11.19%11.39%11.86%12.44%+166 bps
Equity / Assets7.83%8.98%9.60%9.92%10.54%+271 bps
Liquidity & Funding
Loans / Deposits79.63%81.53%85.37%82.93%86.97%+734 bps
Liquid Assets / Assets2.62%1.76%0.76%3.30%1.25%-138 bps
CRE / Total Capitaln/a437%416%398%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Black Hills Community Bank, National Association

Rapid City, SD · Cert 58723 · Peer group: banks under $1B in assets (n=581-629) · BHCB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$489.7MAssets
$374.3MLoans
$430.4MDeposits
$51.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets (rank 421 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 183 of 629

Net Interest Margin

3.58%

Rank 295 of 629

Efficiency Ratio

54.13%

Rank 112 of 629

Equity / Assets

10.54%

Rank 326 of 629

Non-interest income vs. expense

$2.0M$10.5MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 82% of banks under $1B in assets
Bank 54.13%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.60%1.01%1.45%Beats 71%183 / 629
Return on Equity12.83%5.38%9.30%13.28%Beats 72%176 / 629
Net Interest Margin3.58%3.03%3.54%4.05%Beats 53%295 / 629
Efficiency Ratio54.13%58.35%67.79%79.08%Beats 82%112 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.44%11.24%13.84%18.77%Beats 38%391 / 629
Total Risk-Based Capital Ratio12.44%11.58%14.43%19.66%Beats 33%421 / 629
Equity / Assets10.54%9.09%10.65%13.80%Beats 48%326 / 629
Liquidity & Funding
Loans / Deposits86.97%67.24%80.90%93.48%62nd pctl226 / 594
Loans / Assets76.44%53.31%67.71%78.15%70th pctl187 / 629
Brokered Deposits / Depositsn/aNot reported for this institution