BlastPoint's Banking Scorecard
State Bank of Eagle Butte
Micro
Specialty: Agricultural
SD
FDIC cert 18145
Designations: ✓ Community bank
Eagle Butte, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
State Bank of Eagle Butte shows strong momentum with 3 strengths and 10.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.06% above tier
- + Loan-to-Deposit Ratio 35.94% below tier
- + Non-Interest Income / Assets 0.67% above 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 ? |
$86.3M
+10.1% YoY
+6.4% QoQ
|
-$131.2M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$29.9M
+2.1% YoY
-6.7% QoQ
|
-$109.3M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$77.4M
+9.2% YoY
+7.6% QoQ
|
-$106.3M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.15%
-1.3% YoY
-2.4% QoQ
|
+0.07% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
5.91%
-1.4% YoY
-1.5% QoQ
|
+2.06% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
73.74%
+4.4% YoY
-0.0% QoQ
|
+6.02% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
1.47%
-51.9% YoY
+12.5% QoQ
|
+0.83% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
38.59%
-6.6% YoY
-13.3% QoQ
|
-35.94% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.36%
-22.0% YoY
+17.9% QoQ
|
+3.97% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.51%
-55.4% YoY
-1.3% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
21.99%
+4.3% YoY
+2.1% QoQ
|
+13.14% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
1.23%
+12.7% YoY
+32.4% QoQ
|
+0.67% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.91%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
38.59%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.23%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Net Interest Margin
Current: 5.91% · Tier avg: 3.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.59% · Tier avg: 74.53%
94
94th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.56%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.99% · Tier avg: 8.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.36% · Tier avg: 22.39%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
31
31th pctile
Efficiency Ratio
Current: 73.74% · Tier avg: 67.73%
20
20th pctile
Total Deposits
Current: $77.4M · Tier avg: $183.7M
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
18
18th pctile
Total Assets
Current: $86.3M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $29.9M · Tier avg: $139.2M
Top Weaknesses
11
11th pctile
Total Loans
Current: $29.9M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $86.3M · Tier avg: $217.5M
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
20
20th pctile
Total Deposits
Current: $77.4M · Tier avg: $183.7M
31
31th pctile
Efficiency Ratio
Current: 73.74% · Tier avg: 67.73%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.36% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.99% · Tier avg: 8.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.56%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.59% · Tier avg: 74.53%
98
98th pctile
Net Interest Margin
Current: 5.91% · Tier avg: 3.85%