Black Hills Community Bank, N.A.: how it compares with its peers
Against 14 SD banks with half to twice its assets, Black Hills Community Bank, N.A.'s strongest measure in Q2 2026 is return on assets (1.71% vs. a 1.42% peer median). Its weakest relative measure is net interest margin (3.71% vs. 3.51%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.42% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 3.51% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.13% | 56.79% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $7.5M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.67% | 82.24% | Context |
What it means for lending operations
Its efficiency ratio of 54.13% is better than the 56.79% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank Oldham, SD · $478M
- First National Bank in Philip Philip, SD · $458M
- Security Savings Bank Canton, SD · $557M
- BankStar Financial Elkton, SD · $363M
- Rivers Edge Bank Marion, SD · $357M
- Frontier Bank Sioux Falls, SD · $349M
Questions about Black Hills Community Bank, N.A.
How big is Black Hills Community Bank, N.A.?
Black Hills Community Bank, N.A., established in 2007, is headquartered in Rapid City, SD. It reported $490M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Black Hills Community Bank, N.A.'s return on assets?
1.71% annualized in Q2 2026, against a 1.42% median for 14 SD banks with half to twice its assets, ahead of 71% of them.
What is Black Hills Community Bank, N.A.'s efficiency ratio?
54.13% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 56.79%, and lower is better.
Is Black Hills Community Bank, N.A. growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits shrank 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Dakota bank ranked.