Campbell County Bank
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Data as of · sourced from FFIEC call reports. How we update
Campbell County Bank is an FDIC-insured commercial bank headquartered in Herreid, SD, established in 1944 (FDIC certificate 16161), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $240.7M, up 17.1% from Q2 2025, the 34th largest of 56 banks headquartered in South Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16161
- Headquarters
- Herreid, SD
- Established
- 1944
- Total assets, Q2 2026
- $240.7M
- Assets vs Q2 2025
- +17.1%
- Tier 1 leverage ratio, Q2 2026
- 12.93%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091409018
- Asset rank in state
- 34th of 56 in South Dakota
Campbell County Bank runs leaner than most banks of its size. Its balance sheet stood at $241 million at June 30, 2026, up 17.1% from a year earlier; it is based in Herreid, South Dakota. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 5.23 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter rose 14% from a year earlier, to $1.4 million. Over the same year, loans grew 21.0% and deposits grew 32.5%.
As of June 30, 2026, Campbell County Bank reported a return on assets of 2.21%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 3.39%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, Campbell County Bank is the 34th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $240.7M, loans fell 1.2% and deposits fell 3.6%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 64.2% of total loans, ahead of farmland and other real estate loans at 19.2%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in SD; its Herreid office books 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Campbell County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 110 Main St N, Herreid, SD 57632
- County
- Campbell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 13, 1944
- Former names
- Campbell County Bank, Inc. (1998)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $195.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $246.0M
- Average total loans
- $201.4M
- Average interest-bearing deposits
- $159.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 13, 1944
- FDIC Cert
- 16161
- Fed RSSD
- 293651
- Website
- http://campbellcountybank.com →
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, Campbell County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Campbell County Bank's total assets ran between $168.8M (Q3 2023) and $247.1M (Q1 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
$240.7M total assets against $205.6M; $208.4M total liabilities against $176.9M.
$198.2M net loans and leases against $164.0M; $195.9M total deposits against $147.9M.
$23.1M securities against $23.2M; $7.1M cash and balances due against $5.3M.
$4.1M total interest income against $3.4M; $1.1M total interest expense against $1.1M.
$3.0M net interest income against $2.3M.
$180K total noninterest income against $185K; $1.5M total noninterest expense against $1.1M.
$250K provision for credit losses against $100K.
$1.4M net income against $1.2M.
2.21% return on assets against 2.26%; 5.23% net interest margin against 4.58%.
12.93% tier 1 leverage ratio against 13.70%.
Inside the full Campbell County Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Campbell County Bank rankings
Its closest position to the top of a national ranking is 309 of 3,611, for ROA; its furthest is 2,757 of 4,196, for total assets.
Banks merged into Campbell County Bank
- Farmers State Bank, effective November 11, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.68% (Q4 2024) to 2.33% (Q3 2025) and its net interest margin ran from 4.35% (Q4 2024) to 5.23% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 2.21% | 0.58% | 3.39% | 5.23% |
| Q1 2026 | 12.31% | 2.09% | 0.92% | 5.77% | 4.57% |
| Q4 2025 | 13.80% | 1.95% | 1.00% | 5.83% | 4.87% |
| Q3 2025 | 14.72% | 2.33% | 1.20% | 6.28% | 4.62% |
| Q2 2025 | 13.70% | 2.26% | 0.53% | 2.90% | 4.58% |
| Q1 2025 | 13.25% | 1.96% | 0.46% | 2.75% | 4.38% |
| Q4 2024 | 14.28% | 1.68% | 0.49% | 2.72% | 4.35% |
| Q3 2024 | 13.93% | 2.30% | 0.47% | 2.51% | 4.60% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Campbell County Bank, Inc. | Herreid , SD | 57632 | $113.7M |
| Menno Branch | Menno , SD | 57045 | $63.2M |
| Farmers State Bank Branch | Hosmer , SD | 57448 | $19.1M |
| Pollock Branch | Pollock , SD | 57648 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 11, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2025 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 2019 | Structure Change | Acquired Menno State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 37 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Campbell County Bank
What are Campbell County Bank's total assets?
As of the Q2 2026 filing, Campbell County Bank reported total assets of $240.7 million in its FFIEC call report.
Where is Campbell County Bank headquartered?
It is headquartered in Herreid, SD, United States.
When was Campbell County Bank founded?
It was established in 1944, per the FDIC institution directory.
Is Campbell County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Campbell County Bank?
Campbell County Bank's primary federal regulator is the FDIC.
How many branches does Campbell County Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Campbell County Bank's Texas Ratio?
Its Texas Ratio is 3.39% 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.
What was Campbell County Bank previously called?
The charter now named Campbell County Bank has also operated as Campbell County Bank, Inc. (1998), per FDIC structure-change records.
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