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
Unfavorable gap of $8.5M · efficiency ratio beats 82% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.60% | 1.01% | 1.45% | Beats 71% | 183 / 629 | |
| Return on Equity | 12.83% | 5.38% | 9.30% | 13.28% | Beats 72% | 176 / 629 | |
| Net Interest Margin | 3.58% | 3.03% | 3.54% | 4.05% | Beats 53% | 295 / 629 | |
| Efficiency Ratio | 54.13% | 58.35% | 67.79% | 79.08% | Beats 82% | 112 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 11.24% | 13.84% | 18.77% | Beats 38% | 391 / 629 | |
| Total Risk-Based Capital Ratio | 12.44% | 11.58% | 14.43% | 19.66% | Beats 33% | 421 / 629 | |
| Equity / Assets | 10.54% | 9.09% | 10.65% | 13.80% | Beats 48% | 326 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 86.97% | 67.24% | 80.90% | 93.48% | 62nd pctl | 226 / 594 | |
| Loans / Assets | 76.44% | 53.31% | 67.71% | 78.15% | 70th pctl | 187 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |