BlastPoint's Banking Scorecard
Plains Commerce Bank
Community
Specialty: Commercial
SD
FDIC cert 1678
Sioux Falls, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
Plains Commerce Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 17% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15% in Community
- - Capital Thin: Bottom 33% in Community
- - Efficiency Ratio 22.88% above tier
- - Loan-to-Deposit Ratio 19.73% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.0% YoY
+0.5% QoQ
|
-$83.0M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$1.1B
+4.5% YoY
+0.4% QoQ
|
+$103.9M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.1B
+4.3% YoY
+0.6% QoQ
|
-$114.5M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.14%
+83.4% YoY
+10.4% QoQ
|
-0.02% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.38%
+9.9% YoY
+2.0% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
85.51%
-6.5% YoY
-2.1% QoQ
|
+22.88% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.12%
+5.5% YoY
-8.0% QoQ
|
+0.49% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
102.79%
+0.2% YoY
-0.2% QoQ
|
+19.73% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.53%
-1.7% YoY
+0.7% QoQ
|
-2.52% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.10%
+11.0% YoY
-7.1% QoQ
|
+0.60% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
5.38%
-7.3% YoY
+30.5% QoQ
|
+4.64% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#65 of 371 · Top 17% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
5.38%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.14%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Risk Growth
risk
#96 of 642 · Bottom 15% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#143 of 432 · Bottom 33% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
85.51%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
102.79%
(Tier avg: 83.06%, National avg: 78.04%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 5.38% · Tier avg: 0.74%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.53% · Tier avg: 21.05%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.50%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.79% · Tier avg: 83.06%
6
6th pctile
Efficiency Ratio
Current: 85.51% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 85.51% · Tier avg: 62.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.79% · Tier avg: 83.06%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.53% · Tier avg: 21.05%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
99
99th pctile
Non-Interest Income / Assets
Current: 5.38% · Tier avg: 0.74%