Plains Commerce 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.
Reserve coverage of non-performing loans dropped 4.30 percentage points in Q2 2026, from 43.46% to 39.15%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Plains Commerce Bank is 39th of 56 on return on assets, 1.03% as of Q2 2026, below the middle of the field. Plains Commerce Bank reported 1.03% on return on assets for Q2 2026, 0.24 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 10.77% |
| Tangible equity to tangible assets | 10.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.47% |
| Non-performing assets ratio | 2.14% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 19.73% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 39.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 10.10% |
| Net interest margin | 3.66% |
| Efficiency ratio | 85.62% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.55% |
| Core deposits to total deposits | 80.71% |
| Brokered deposits to total deposits | 10.84% |
| Deposits to assets | 83.02% |
| Securities to assets | 6.93% |
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 | 10.64% | 0.75% | 3.33% | 1.76% | 0.05% |
| Q4 2023 | 10.96% | 1.06% | 3.43% | 1.63% | 0.31% |
| Q1 2024 | 11.27% | 1.47% | 3.16% | 1.71% | 0.01% |
| Q2 2024 | 10.79% | 1.43% | 3.08% | 1.61% | 0.04% |
| Q3 2024 | 10.32% | -1.13% | 3.02% | 1.78% | 0.02% |
| Q4 2024 | 10.26% | 0.83% | 3.04% | 1.90% | 0.06% |
| Q1 2025 | 10.60% | 0.20% | 3.28% | 2.20% | 0.17% |
| Q2 2025 | 10.38% | 1.39% | 3.24% | 3.06% | 0.10% |
| Q3 2025 | 10.81% | 1.56% | 3.53% | 2.34% | 0.12% |
| Q4 2025 | 10.26% | 1.44% | 3.49% | 2.31% | 0.08% |
| Q1 2026 | 10.66% | 1.66% | 3.51% | 2.10% | -0.05% |
| Q2 2026 | 10.03% | 1.03% | 3.66% | 2.47% | 0.07% |
Plains Commerce Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Plains Commerce 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 Plains Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1678) · FFIEC NIC profile (RSSD 593052)