Campbell County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 26.30 percentage points lower than in Q1 2026, at 143.55%. Within South Dakota, Campbell County Bank is 10th of 56 on return on assets, 2.21% as of Q2 2026, above the middle of the field. Campbell County Bank's return on assets of 2.21% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.96 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.93% |
| Equity capital to assets | 13.40% |
| Tangible equity to tangible assets | 12.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.19% |
| Non-performing assets ratio | 1.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 6.97% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 143.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 17.25% |
| Net interest margin | 5.23% |
| Efficiency ratio | 43.83% |
| Yield on earning assets | 7.18% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.95% |
| Core deposits to total deposits | 87.41% |
| Brokered deposits to total deposits | 2.59% |
| Deposits to assets | 81.39% |
| Securities to assets | 9.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.27% | 2.20% | 5.02% | 0.18% | -0.01% |
| Q4 2023 | 14.40% | 2.24% | 5.28% | 0.16% | 0.00% |
| Q1 2024 | 13.28% | 2.37% | 4.70% | 0.00% | 0.00% |
| Q2 2024 | 13.17% | 2.22% | 4.73% | 0.00% | 0.00% |
| Q3 2024 | 13.93% | 2.30% | 4.60% | 0.47% | 0.00% |
| Q4 2024 | 14.28% | 1.68% | 4.35% | 0.49% | 0.05% |
| Q1 2025 | 13.25% | 1.96% | 4.38% | 0.46% | 0.00% |
| Q2 2025 | 13.70% | 2.26% | 4.58% | 0.44% | 0.00% |
| Q3 2025 | 14.72% | 2.33% | 4.62% | 1.20% | 0.10% |
| Q4 2025 | 13.80% | 1.95% | 4.87% | 1.00% | -0.06% |
| Q1 2026 | 12.31% | 2.09% | 4.57% | 0.92% | -0.01% |
| Q2 2026 | 12.93% | 2.21% | 5.23% | 1.19% | -0.00% |
Campbell County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Campbell County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Campbell County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16161) · FFIEC NIC profile (RSSD 293651)