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Black Hills Community Bank, N.A.
Rapid City, SD · FDIC Certificate #58723 · Chartered 11/2
Total assets
$489.71M
Total deposits
$430.42M
Total equity
$51.62M
Net loans
$368.76M
Branches (offices)
2
Net income (YTD)
$4.22M
Rank: #1,814 of 4,213 U.S. banks by assets · #22 of 56 in South Dakota. Assets changed 0.0% and deposits -4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 17.10% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 10.54% |
| Tier 1 leverage ratio | 12.44% |
| Uninsured deposits (share of deposits) | 44.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.09% |
| Loans to deposits | 85.7% |
| Real estate loans (share of loans) | 87.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $321.98M | 87.3% | |
| Commercial & industrial | $41.52M | 11.3% | |
| Consumer / individual | $564.00K | 0.2% | |
| Construction & development | $48.88M | 13.3% | |
| Agricultural | $5.64M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $438.72M | $393.73M | $3.71M | $43.21M |
| Jun 2023 | $464.51M | $386.18M | $3.19M | $45.70M |
| Jun 2024 | $480.25M | $400.12M | $1.88M | $46.52M |
| Jun 2025 | $489.62M | $448.31M | $3.20M | $38.33M |
| Jun 2026 | $489.71M | $430.42M | $4.22M | $51.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $430.42M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $430.42M.
Similar-sized banks
1St State Bank ($490.07M) · Citizens Bank ($488.81M)
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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