Black Hills Community Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Black Hills Community Bank, N.A. is an FDIC-insured commercial bank headquartered in Rapid City, SD, established in 2007 (FDIC certificate 58723), and it is supervised by the OCC. At Q2 2026 it reported total assets of $489.7M, little changed from Q2 2025, the 22nd largest of 56 banks headquartered in South Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58723
- Headquarters
- Rapid City, SD
- Established
- 2007
- Total assets, Q2 2026
- $489.7M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 12.44%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091409733
- Latest call report
- Q2 2026, FFIEC 051 · Black Hills Community Bank, N.A. Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- BHCB HOLDING COMPANY
- Asset rank in state
- 22nd of 56 in South Dakota
Black Hills Community Bank, N.A., based in Rapid City, South Dakota, reported $490 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also lost 4.0% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.1%).
Loans and deposits moved in opposite directions: over the year loans rose 4.9% and deposits fell 4.0%. Its $42 million commercial and industrial book is improving, with 2.62% past due or on nonaccrual, down from 3.59% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Black Hills Community Bank, N.A. reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Black Hills Community Bank, N.A. ranks as the 22nd largest of the 56 banks based in South Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $489.7M, loans rose 1.7% and deposits fell 3.0%. Non-owner-occupied commercial real estate loans made up 24.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.3%. Its 2 offices in the FDIC Summary of Deposits are in Rapid City, SD and Spearfish, SD; its Rapid City office books 85% of its branch deposits. Judged on its Q2 2026 call report, Black Hills Community Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 840 Mount Rushmore Rd, Rapid City, SD 57701
- County
- Pennington
- Metro Area
- Rapid City, SD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 27, 2007
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $430.4M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$160K
- Average total assets
- $486.5M
- Average total loans
- $370.4M
- Average interest-bearing deposits
- $340.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 27, 2007
- FDIC Cert
- 58723
- Fed RSSD
- 3636428
- Website
- http://www.BHCBANK.COM →
- Parent Holding Company
- BHCB HOLDING COMPANY (RSSD 3636389)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Black Hills Community Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Black Hills Community Bank, N.A.'s total assets moved between a low of $478.0M (Q4 2024) and a high of $511.6M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$489.7M total assets against $489.6M; $438.1M total liabilities against $451.3M.
$368.8M net loans and leases against $351.9M; $430.4M total deposits against $448.3M.
$92.6M securities against $102.5M; $12.5M cash and balances due against $20.0M.
$6.9M total interest income against $6.8M; $2.5M total interest expense against $2.9M.
$4.4M net interest income against $3.9M.
$475K total noninterest income against $444K; $2.6M total noninterest expense against $2.5M.
$115K provision for credit losses against $57K.
$2.1M net income against $1.8M.
1.72% return on assets against 1.49%; 3.76% net interest margin against 3.31%.
12.44% tier 1 leverage ratio against 10.78%.
Inside the full Black Hills Community Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Black Hills Community Bank, N.A. rankings
Its closest position to the top of a national ranking is 880 of 3,611, for ROA; its furthest is 3,413 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q3 2024) to 1.73% (Q1 2026) and its net interest margin ran from 2.77% (Q3 2024) to 3.87% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.44% | 1.72% | 0.00% | 0.00% | 3.76% |
| Q1 2026 | 11.86% | 1.73% | 0.00% | 0.00% | 3.70% |
| Q4 2025 | 11.39% | 1.38% | 0.00% | 0.00% | 3.87% |
| Q3 2025 | 11.19% | 1.38% | 0.00% | 0.00% | 3.40% |
| Q2 2025 | 10.78% | 1.49% | 0.00% | 0.00% | 3.31% |
| Q1 2025 | 10.55% | 1.14% | 0.00% | 0.00% | 3.11% |
| Q4 2024 | 11.00% | 1.02% | 0.00% | 0.00% | 3.15% |
| Q3 2024 | 10.76% | 0.84% | 0.00% | 0.00% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Black Hills Community Bank, N.A. | Rapid City , SD | 57701 | $364.7M |
| Black Hills Community Bank - Spearfish Branch | Spearfish , SD | 57783 | $65.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 24 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $666K approved, $333K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Black Hills Community Bank, N.A.
What are Black Hills Community Bank, N.A.'s total assets?
As of the Q2 2026 filing, Black Hills Community Bank, N.A. reported total assets of $489.7 million in its FFIEC call report.
Where is Black Hills Community Bank, N.A. headquartered?
It is headquartered in Rapid City, SD, United States.
When was Black Hills Community Bank, N.A. founded?
It was established in 2007, per the FDIC institution directory.
Is Black Hills Community Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Black Hills Community Bank, N.A.?
Black Hills Community Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Black Hills Community Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Black Hills Community Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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