BlastPoint's Banking Scorecard
Campbell County Bank, Inc.
Micro
Specialty: Agricultural
SD
FDIC cert 16161
Designations: ✓ Community bank
Herreid, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Campbell County Bank, Inc. shows strong momentum with 2 strengths and 17.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.02% above tier
- + Efficiency Ratio 21.55% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$237.7M
+17.1% YoY
+16.1% QoQ
|
+$20.2M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$190.9M
+18.5% YoY
+16.1% QoQ
|
+$51.7M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$201.2M
+46.1% YoY
+38.6% QoQ
|
+$17.5M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.10%
-2.0% YoY
-3.9% QoQ
|
+1.02% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.61%
-1.0% YoY
+0.2% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
46.18%
+2.8% YoY
+6.6% QoQ
|
-21.55% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
1.01%
+105.3% YoY
-17.1% QoQ
|
+0.37% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
94.88%
-18.9% YoY
-16.3% QoQ
|
+20.36% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.63%
-12.0% YoY
-5.9% QoQ
|
-6.76% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.81%
+107.8% YoY
-17.1% QoQ
|
+0.36% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
-14.3% YoY
+28.4% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.18%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 46.18% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
71
71th pctile
Total Loans
Current: $190.9M · Tier avg: $139.2M
60
60th pctile
Total Deposits
Current: $201.2M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $237.7M · Tier avg: $217.5M
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.63% · Tier avg: 22.39%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
14
14th pctile
Loan-to-Deposit Ratio
Current: 94.88% · Tier avg: 74.53%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 94.88% · Tier avg: 74.53%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.63% · Tier avg: 22.39%
29
29th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
59
59th pctile
Total Assets
Current: $237.7M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $201.2M · Tier avg: $183.7M
71
71th pctile
Total Loans
Current: $190.9M · Tier avg: $139.2M
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 46.18% · Tier avg: 67.73%