Black Hills Community Bank, N.A.
Total assets
$489.7M
▲ +0.0% YoY
Deposits
$430.4M
▼ -4.0% YoY
Loans
$368.8M
▲ +4.8% YoY
Offices
2
BHCB HOLDING CO
ROA (annualized)
1.71%
peers 1.24%
ROE (annualized)
17.10%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -4.0% | +4.0% | -7.9 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.8 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 17.1% | 11.9% | +5.2 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 2007
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BHCB HOLDING CO
- Specialization
- Commercial Lending Specialization
- Address
- 840 Mount Rushmore Rd, Rapid City, SD, 57701
- County
- Pennington
- Metro area
- Rapid City, SD
- Offices
- 2
- FDIC cert #
- 58723
- RSSD ID
- 3636428
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $489.7M | $430.4M | $368.8M | $51.6M | $4.2M | 1.71% | 3.71% | 0.00% |
| Q1 2026 | $495.9M | $443.8M | $362.7M | $49.2M | $2.1M | 1.73% | 3.69% | 0.00% |
| Q4 2025 | $491.9M | $436.9M | $367.8M | $47.2M | $6.6M | 1.34% | 3.41% | 0.00% |
| Q3 2025 | $492.2M | $444.6M | $357.3M | $44.2M | $4.9M | 1.32% | 3.27% | 0.00% |
| Q2 2025 | $489.6M | $448.3M | $351.9M | $38.3M | $3.2M | 1.30% | 3.19% | 0.00% |
| Q1 2025 | $511.6M | $469.9M | $343.2M | $38.6M | $1.4M | 1.11% | 3.05% | 0.00% |
| Q4 2024 | $478.0M | $432.9M | $338.0M | $42.3M | $4.1M | 0.85% | 2.79% | 0.00% |
| Q3 2024 | $481.9M | $403.1M | $334.3M | $44.5M | $2.9M | 0.79% | 2.66% | 0.00% |
Loan mix (Q2 2026): real estate $322.0M · commercial $41.5M · consumer $564K · securities $92.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 62.9% | 25th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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