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Letter portraitLegal landscapeQuarterYTD

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