BlastPoint's Banking Scorecard
Great Plains Bank
Micro
Specialty: Agricultural
SD
FDIC cert 505
Designations: ✓ Community bank
Eureka, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Great Plains Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.62% above tier
- + Net Interest Margin 1.28% above tier
- + Efficiency Ratio 28.55% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.5M
+4.1% YoY
+3.4% QoQ
|
-$63.0M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$111.1M
+6.7% YoY
+5.7% QoQ
|
-$28.1M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$123.1M
+1.1% YoY
+2.7% QoQ
|
-$60.5M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
2.71%
+22.8% YoY
-14.3% QoQ
|
+1.62% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.14%
+18.2% YoY
-5.0% QoQ
|
+1.28% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
39.18%
-12.7% YoY
+14.8% QoQ
|
-28.55% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.02%
-98.4% YoY
-71.4% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
90.19%
+5.6% YoY
+3.0% QoQ
|
+15.66% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
16.36%
-0.3% YoY
+8.2% QoQ
|
-6.03% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.01%
-98.3% YoY
-70.7% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
80% |
| 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 ? |
0.07%
-16.9% YoY
+19.8% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.14%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
39.18%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
Efficiency Ratio
Current: 39.18% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.08%
92
92th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
77
77th pctile
Loan-to-Deposit Ratio
Current: 90.19% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $111.1M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $154.5M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $123.1M · Tier avg: $183.7M
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.36% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.36% · Tier avg: 22.39%
36
36th pctile
Total Deposits
Current: $123.1M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $154.5M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $111.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 90.19% · Tier avg: 74.53%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
92
92th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 39.18% · Tier avg: 67.73%