State Bank of Eagle Butte
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Eagle Butte is an FDIC-insured commercial bank headquartered in Eagle Butte, SD, established in 1960 (FDIC certificate 18145), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $80.3M, up 2.7% from Q2 2025, the 45th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 23.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18145
- Headquarters
- Eagle Butte, SD
- Established
- 1960
- Total assets, Q2 2026
- $80.3M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 23.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091409351
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Eagle Butte call report
- Asset rank in state
- 45th of 56 in South Dakota
State Bank of Eagle Butte earns an unusually wide margin on its lending. It reported $80 million in assets at June 30, 2026, up 2.7% from a year earlier. It keeps 6.11 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.77% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.07% of loans from 1.40%.
As of June 30, 2026, State Bank of Eagle Butte reported a CET1 capital ratio of 23.47%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.22%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, State Bank of Eagle Butte is the 45th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $80.3M, loans rose 5.4% and deposits fell 2.1%. Agricultural production loans made up 41.3% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 27.5%. The FDIC Summary of Deposits lists a single office for it, in Eagle Butte, SD. Judged on its Q2 2026 call report, State Bank of Eagle Butte meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 305 S Main St, Eagle Butte, SD 57625
- County
- Dewey
- 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
- February 1, 1960
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $70.9M
- Allowance for credit losses
- $854K
- Net charge-offs (YTD)
- $113K
- Average total assets
- $80.3M
- Average total loans
- $31.0M
- Average interest-bearing deposits
- $51.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 1, 1960
- FDIC Cert
- 18145
- Fed RSSD
- 403656
- Website
- www.statebankofeaglebutte.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, State Bank of Eagle Butte's total assets ran between $66.8M (Q1 2024) and $86.3M (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
$80.3M total assets against $78.2M; $71.3M total liabilities against $69.9M.
$30.1M net loans and leases against $30.4M; $70.9M total deposits against $69.5M.
$27.6M securities against $29.1M; $20.3M cash and balances due against $16.7M.
$1.3M total interest income against $1.2M; $136K total interest expense against $107K.
$1.2M net interest income against $1.1M.
$119K total noninterest income against $266K; $1.1M total noninterest expense against $1.1M.
$15K provision for credit losses against $80K.
$162K net income against $154K.
0.81% return on assets against 0.76%; 6.11% net interest margin against 5.73%.
23.47% CET1 capital ratio against 21.90%; 12.37% tier 1 leverage ratio against 11.40%.
Inside the full State Bank of Eagle Butte terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q2 2025) to 1.75% (Q4 2024) and its net interest margin ran from 5.53% (Q4 2025) to 6.18% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.47% | 0.81% | 0.07% | 0.22% | 6.11% |
| Q1 2026 | 23.73% | 1.37% | 0.15% | 0.46% | 5.74% |
| Q4 2025 | 21.99% | 1.06% | 1.43% | 4.55% | 5.53% |
| Q3 2025 | 21.54% | 1.23% | 1.27% | 4.40% | 5.79% |
| Q2 2025 | 21.90% | 0.76% | 1.40% | 4.84% | 5.73% |
| Q1 2025 | 21.39% | 1.55% | 1.69% | 5.86% | 6.11% |
| Q4 2024 | 21.07% | 1.75% | 2.97% | 11.16% | 5.89% |
| Q3 2024 | 20.54% | 1.20% | 3.34% | 12.33% | 6.18% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| State Bank of Eagle Butte (main office) | Eagle Butte , SD | 57625 | $70.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 56 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $82K approved, $41K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 State Bank of Eagle Butte
What are State Bank of Eagle Butte's total assets?
As of the Q2 2026 filing, State Bank of Eagle Butte reported total assets of $80.3 million in its FFIEC call report.
Where is State Bank of Eagle Butte headquartered?
It is headquartered in Eagle Butte, SD, United States.
When was State Bank of Eagle Butte founded?
It was established in 1960, per the FDIC institution directory.
Is State Bank of Eagle Butte FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Eagle Butte?
State Bank of Eagle Butte's primary federal regulator is the FDIC.
What is State Bank of Eagle Butte's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Eagle Butte operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Eagle Butte's Texas Ratio?
Its Texas Ratio is 0.22% 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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