TellerScore

Black Hills Community Bank, N.A. is a national bank headquartered in Rapid City, South Dakota, in business for about 19 years. At the end of Q2 2026 it reported $489.7M in total assets and $430.4M in deposits, with 2 offices.

Black Hills Community Bank, N.A. has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 18th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (42/100, 86% loans-to-deposits, 45% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.44%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings89/100
Return on assets (annualized): 1.71%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 85.7% · 44.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (73 → 81), mostly because the earnings component improved by 17 points.

TellerScore
707681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202571
Q2 202573
Q3 202574
Q4 202575
Q1 202680
Q2 202681
Tier 1 leverage ratio
5.00%8.72%12.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.58%
Q3 202410.76%
Q4 202411.00%
Q1 202510.55%
Q2 202510.78%
Q3 202511.19%
Q4 202511.39%
Q1 202611.86%
Q2 202612.44%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.77%1.25%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.79%
Q4 20240.85%
Q1 20251.11%
Q2 20251.30%
Q3 20251.32%
Q4 20251.34%
Q1 20261.73%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$489.7M12.44%0.00%1.71%85.7%
Q1 202680$495.9M11.86%0.00%1.73%81.7%
Q4 202575$491.9M11.39%0.00%1.34%84.2%
Q3 202574$492.2M11.19%0.00%1.32%80.4%
Q2 202573$489.6M10.78%0.00%1.30%78.5%
Q1 202571$511.6M10.55%0.00%1.11%73.0%
Q4 202470$478.0M11.00%0.00%0.85%78.1%
Q3 202470$481.9M10.76%0.00%0.79%82.9%
Q2 202470$480.2M10.58%0.00%0.77%80.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.44%
69th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.09%
97th
Return on assets1.71%
76th
Net interest margin3.71%
37th
Efficiency ratio54.1%
74th
Loans to deposits85.7%
36th
Uninsured deposits44.6%
7th
Loan-loss reserves1.48%
77th
Texas ratio0.0%
95th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
First National Bank in PhilipBank Philip, SD87 out of 100, Very strong$458.4M12.1%0.00%vs
Security Savings BankBank Canton, SD69 out of 100, Moderate$557.4M9.4%0.09%vs
BankStar FinancialBank Elkton, SD71 out of 100, Strong$363.5M9.4%0.14%vs
Rivers Edge BankBank Marion, SD68 out of 100, Moderate$357.1M8.3%0.16%vs
Frontier BankBank Sioux Falls, SD67 out of 100, Moderate$349.2M8.8%0.00%vs

Deposit insurance

Is my money safe at Black Hills Community Bank, N.A.?

Yes. Black Hills Community Bank, N.A. is an FDIC-insured institution (FDIC certificate #58723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.6% of deposits ($192.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Black Hills Community Bank, N.A. lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Black Hills Community Bank, N.A.
Type
National bank
FDIC certificate #
58723
RSSD ID
3636428
Primary regulator
OCC
Holding company
Bhcb Holding Co
Established
November 27, 2007
Headquarters
840 Mount Rushmore Rd, Rapid City, SD 57701
Employees
50

Quick answers

Black Hills Community Bank, N.A.: common questions

Is Black Hills Community Bank, N.A. FDIC insured?

Yes. Black Hills Community Bank, N.A. is an FDIC-insured institution (FDIC certificate #58723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Black Hills Community Bank, N.A.'s TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Black Hills Community Bank, N.A. ever failed?

There is no failure record for FDIC certificate #58723 in the FDIC failed bank list.

How many branches does Black Hills Community Bank, N.A. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rapid City

InstitutionScoreAssetsCapitalProblem loansCompare
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Pioneer Bank & TrustBank Belle Fourche, SD81 out of 100, Strong$1.0B11.6%0.14%vs
Interfaith Federal Credit UnionCredit union Montclair, CA77 out of 100, Strong$134.8M11.9%0.34%vs
Rushmore Electric Federal Credit UnionCredit union Rapid City, SD72 out of 100, Strong$29.3M10.0%0.50%vs
Dacotah Federal Credit UnionCredit union Rapid City, SD70 out of 100, Strong$11.1M10.1%0.00%vs