Black Hills Community Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Black Hills Community Bank, N.A. of Rapid City, SD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.72% | 1.34% | +0.38% | 74th above |
| ROAE | 16.56% | 13.31% | +3.25% | 74th above |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 53.14% | 61.14% | -8.00% | 74th above |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 5.87% | 5.67% | +0.20% | 63rd above |
| Cost of Funds | 2.33% | 1.88% | +0.45% | 21st bottom |
| Net Interest Spread | 3.01% | 3.32% | -0.31% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.17% | 0.16% | -0.33% | 98th top |
| ACL / Total Loans | 1.48% | 1.28% | +0.20% | 77th top |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.44% | 12.14% | +0.30% | 69th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.37% | -0.83% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.09% | -0.55% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.97% | 80.63% | +6.34% | 36th below |
| Core Deposit Ratio | 78.16% | 86.86% | -8.70% | 13th bottom |
| Wholesale Funding Ratio | 0.98% | 5.04% | -4.06% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.02% | 6.86% | -6.84% | 20th bottom |
| Loan Growth (Y/Y) | 4.86% | 7.90% | -3.04% | 47th below |
| Deposit Growth (Y/Y) | -3.99% | 6.29% | -10.28% | 8th bottom |
See Black Hills Community Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Black Hills Community Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Black Hills Community Bank, N.A. profile, how to read a UBPR, or how this data updates.