Great Plains Bank
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Data as of · sourced from FFIEC call reports. How we update
Great Plains Bank is an FDIC-insured commercial bank headquartered in Eureka, SD, established in 1920 (FDIC certificate 505), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $150.4M, up 3.6% from Q2 2025, the 39th largest of 56 banks headquartered in South Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.69% 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
- 505
- Headquarters
- Eureka, SD
- Established
- 1920
- Total assets, Q2 2026
- $150.4M
- Assets vs Q2 2025
- +3.6%
- Tier 1 leverage ratio, Q2 2026
- 17.69%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091401663
- Latest call report
- Q2 2026, FFIEC 051 · Great Plains Bank call report
- Holding company
- GREAT PLAINS BANK CORPORATION
- Asset rank in state
- 39th of 56 in South Dakota
Problem loans are rising at Great Plains Bank. The Eureka, South Dakota bank had $150 million in assets at June 30, 2026, up 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.49% of loans from 1.44% a year earlier. It funds 17.69% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $484,000 was 34% below a year earlier. Funding is the softer spot: it pays an average of 2.41% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Great Plains Bank reported a return on assets of 1.27%, a nonperforming-loan ratio of 3.49% and a Texas ratio of 13.34%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, Great Plains Bank is the 39th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $150.4M, loans fell 2.4% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 43.3% of total loans, ahead of farmland and other real estate loans at 20.6%. The FDIC Summary of Deposits lists 3 offices for it, in Aberdeen, SD, Eureka, SD and Eden, SD; its Aberdeen office books 41% of its branch deposits. Judged on its Q2 2026 call report, Great Plains Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 702 7th St, Eureka, SD 57437
- County
- Mcpherson
- 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
- October 23, 1920
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $120.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $152.9M
- Average total loans
- $111.7M
- Average interest-bearing deposits
- $83.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 505
- Fed RSSD
- 589158
- Website
- www.greatplainsbank.com →
- Parent Holding Company
- GREAT PLAINS BANK CORPORATION (RSSD 1125898)
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, Great Plains Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Great Plains Bank's total assets ranged from $138.9M (Q2 2024) to $154.5M (Q4 2025), 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
$150.4M total assets against $145.2M; $123.7M total liabilities against $119.8M.
$107.7M net loans and leases against $103.9M; $120.6M total deposits against $116.7M.
$35.2M securities against $33.2M; $3.8M cash and balances due against $4.3M.
$2.0M total interest income against $2.2M; $615K total interest expense against $654K.
$1.4M net interest income against $1.5M.
$14K total noninterest income against $16K; $928K total noninterest expense against $807K.
$0 provision for credit losses against $0.
$484K net income against $737K.
1.27% return on assets against 1.98%; 3.82% net interest margin against 4.28%.
17.69% tier 1 leverage ratio against 17.17%.
Inside the full Great Plains 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Great Plains Bank rankings
Its closest position to the top of a national ranking is 391 of 3,640, for Texas Ratio; its furthest is 3,295 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.27% (Q2 2026) to 4.86% (Q1 2025) and its net interest margin ran from 3.82% (Q2 2026) to 6.76% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.69% | 1.27% | 3.49% | 13.34% | 3.82% |
| Q1 2026 | 17.50% | 2.41% | 0.16% | 0.62% | 4.34% |
| Q4 2025 | 17.42% | 1.43% | 0.02% | 0.08% | 4.35% |
| Q3 2025 | 17.20% | 2.55% | 0.07% | 0.27% | 4.95% |
| Q2 2025 | 17.17% | 1.98% | 1.44% | 5.62% | 4.28% |
| Q1 2025 | 16.86% | 4.86% | 0.56% | 2.27% | 6.76% |
| Q4 2024 | 16.14% | 2.20% | 1.24% | 5.22% | 4.44% |
| Q3 2024 | 16.44% | 2.18% | 1.71% | 6.97% | 4.30% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Aberdeen Branch | Aberdeen , SD | 57401 | $49.1M |
| Great Plains Bank (main office) | Eureka , SD | 57437 | $43.9M |
| Eden Branch | Eden , SD | 57232 | $27.6M |
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 |
|---|---|---|---|
| September 15, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 13, 1997 | Structure Change | Acquired The First National Bank of Eden Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 47 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Great Plains Bank
What are Great Plains Bank's total assets?
As of the Q2 2026 filing, Great Plains Bank reported total assets of $150.4 million in its FFIEC call report.
Where is Great Plains Bank headquartered?
It is headquartered in Eureka, SD, United States.
When was Great Plains Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Great Plains Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #505). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great Plains Bank?
Great Plains Bank's primary federal regulator is the FDIC.
How many branches does Great Plains Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Great Plains Bank's Texas Ratio?
Its Texas Ratio is 13.34% 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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