BlastPoint's Banking Scorecard
Black Hills Community Bank, N.A.
Micro
Specialty: Commercial
SD
FDIC cert 58723
Designations: ✓ Community bank
Rapid City, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Black Hills Community Bank, N.A. demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$491.9M
+2.9% YoY
-0.1% QoQ
|
+$274.4M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$367.8M
+8.8% YoY
+2.9% QoQ
|
+$228.6M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$436.9M
+0.9% YoY
-1.7% QoQ
|
+$253.3M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.34%
+57.3% YoY
+1.3% QoQ
|
+0.25% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.41%
+22.4% YoY
+4.3% QoQ
|
-0.44% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
57.21%
-17.9% YoY
-4.0% QoQ
|
-10.52% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
84.18%
+7.8% YoY
+4.7% QoQ
|
+9.66% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
20.16%
+8.2% YoY
-1.6% QoQ
|
-2.24% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.36%
-4.5% YoY
+44.2% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Total Deposits
Current: $436.9M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $491.9M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $367.8M · Tier avg: $139.2M
75
75th pctile
Efficiency Ratio
Current: 57.21% · Tier avg: 67.73%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.16% · Tier avg: 22.39%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.18% · Tier avg: 74.53%
30
30th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.85%
Top Weaknesses
30
30th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.85%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.18% · Tier avg: 74.53%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.16% · Tier avg: 22.39%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
75
75th pctile
Efficiency Ratio
Current: 57.21% · Tier avg: 67.73%
99
99th pctile
Total Loans
Current: $367.8M · Tier avg: $139.2M
99
99th pctile
Total Assets
Current: $491.9M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $436.9M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%