PLAINS COMMERCE BANK

SIOUX FALLS, SD | Large | Est. July 16, 1931, midnight | FDIC #1678 | RSSD #593052 | FDIC
Latest Report: 2025-12-31

PLAINS COMMERCE BANK is aln large FDIC-insured commercial bank headquartered in SIOUX FALLS, SD, established in July 16, 1931, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 1.45% ROA and 13.72% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 7.92%. Asset quality metrics show a non-performing loan ratio of 1.11% and a Texas Ratio of 9.62%. FDIC Certificate #1678.

Assets

$1.3B

Deposits

$1.1B

Loans

$1.1B

Equity

$138M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 13.72%
Net Interest Margin (NIM) 3.53%
Yield on Assets 6.39%
Cost of Funds 4.08%

Asset Quality

NPL Ratio 1.11%
Net Charge-Off Ratio 0.11%
Texas Ratio 9.62%
NPA Ratio 1.09%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 7.92%
Tier 1 Capital 7.92%
Total Capital Ratio 8.31%
Leverage Ratio 10.26%
Loan-to-Deposit 103.79%

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