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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

$489.7MAssets
$374.3MLoans
$430.4MDeposits
$51.6MEquity
Loan mix
89%RE $311.6M11%C&I $38.3M0%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $343.3M20%Noninterest $87.1MQ3 2024Q2 2026

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 1.33%, up 18 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.17%.
  • 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.

Return on Assets (quarter, annualized)

1.33%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+41 bps YoY

Efficiency Ratio (quarter, annualized)

54.57%-271 bps YoY

Tier 1 Leverage Ratio

12.44%+166 bps YoY

NIM

5.06%Q2 ’245.57%Q2 ’255.67%Q2 ’26+29%+13%

Non-interest income vs. expense

2.13%Q2 ’242.03%Q2 ’252.17%Q2 ’26-2%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.81%0.88%1.15%1.08%1.10%1.36%1.33%+18 bps
Return on Equity7.03%8.99%10.73%14.91%12.84%11.79%13.90%13.00%-192 bps
Net Interest Margin2.60%3.01%2.98%3.19%3.32%3.63%3.52%3.59%+41 bps
Efficiency Ratio72.32%64.55%64.01%57.28%57.95%51.16%53.70%54.57%-271 bps
Non-Interest Burden1.77%1.82%1.80%1.67%1.77%1.64%1.70%1.78%+11 bps
Growth
Asset Growth (YoY)0.61%-1.23%2.31%1.95%2.13%2.91%-3.07%0.02%-193 bps
Loan Growth (YoY)0.85%0.61%6.75%9.22%6.84%8.75%5.69%4.86%-436 bps
Deposit Growth (YoY)0.84%7.62%14.25%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%-0.17%-17 bps
Allowance / Loans1.46%1.44%1.44%1.42%1.41%1.39%1.44%1.48%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.76%11.00%10.55%10.78%11.19%11.39%11.86%12.44%+166 bps
Total Risk-Based Capital10.76%11.00%10.55%10.78%11.19%11.39%11.86%12.44%+166 bps
Equity / Assets9.24%8.85%7.54%7.83%8.98%9.60%9.92%10.54%+271 bps
Liquidity & Funding
Loans / Deposits84.16%79.23%74.10%79.63%81.53%85.37%82.93%86.97%+734 bps
Liquid Assets / Assets3.87%2.07%7.40%2.62%1.76%0.76%3.30%1.25%-138 bps
CRE / Total Capitaln/an/an/an/a437%416%398%n/an/a