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Plains Commerce Bank
Sioux Falls, SD · FDIC Certificate #1678 · Chartered 07/1
Total assets
$1.30B
Total deposits
$1.08B
Total equity
$139.93M
Net loans
$1.07B
Branches (offices)
8
Net income (YTD)
$8.82M
Rank: #846 of 4,213 U.S. banks by assets · #17 of 56 in South Dakota. Assets changed 3.7% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 12.66% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 10.77% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 29.2% |
| Noncurrent loans (share of loans) | 1.22% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 99.6% |
| Real estate loans (share of loans) | 76.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $819.33M | 76.3% | |
| Commercial & industrial | $65.18M | 6.1% | |
| Consumer / individual | $11.96M | 1.1% | |
| Construction & development | $72.33M | 6.7% | |
| Agricultural | $136.96M | 12.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $977.99M | $844.57M | $392.00K | $123.98M |
| Jun 2023 | $1.27B | $917.01M | $4.26M | $125.70M |
| Jun 2024 | $1.26B | $955.05M | $8.51M | $131.22M |
| Jun 2025 | $1.25B | $1.02B | $4.99M | $133.71M |
| Jun 2026 | $1.30B | $1.08B | $8.82M | $139.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $1.08B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.08B.
Similar-sized banks
Signature Bank, National Association ($1.31B) · Jonesboro State Bank ($1.30B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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