SIOUX FALLS, SD · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$2.1B
Total Deposits
$1.8B
Net Loans
$1.5B
Net Income
$6M
ROA
1.08%
Above avg for Community banks. Peer avg: 0.90%
ROE
11.77%
Risk-Based Capital
15.25%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 216 | 86.57% | 3.24% |
| 2023 | 218 | 83.49% | 3.67% |
| 2022 | 358 | 86.87% | 1.68% |
| 2021 | 547 | 90.13% | 0.73% |
| 2020 | 770 | 90.39% | 0.65% |
| 2019 | 412 | 83.25% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2025 | Outstanding | Large Bank |
| May 2022 | Outstanding | Intermediate Small Bank |
| Apr 2019 | Outstanding | Large Bank |
7 previous ratings locked — back to 1997
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Total Branches
18
Branch Deposits
$1.6B
1-Year Change
0
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Preview:
| 2018 | 331 | 79.15% | 2.72% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red