TellerScore

Plains Commerce Bank (FDIC certificate #1678) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in deposits and 8 offices.

Based on its Q2 2026 filing, Plains Commerce Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 48th. Its strongest component is problem-loan coverage (81/100; 9.4%), and its lowest is funding & liquidity (45/100; 100% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.03%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.22%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 99.6% · 29.2% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.40%

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 5 points (54 → 59), mostly because the earnings component improved by 22 points.

TellerScore
505763Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202453
Q4 202456
Q1 202550
Q2 202554
Q3 202559
Q4 202559
Q1 202663
Q2 202659
Tier 1 leverage ratio
5.00%7.90%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.79%
Q3 202410.32%
Q4 202410.26%
Q1 202510.60%
Q2 202510.38%
Q3 202510.81%
Q4 202510.26%
Q1 202610.66%
Q2 202610.03%
Noncurrent loans
1.05%1.27%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.06%
Q3 20241.33%
Q4 20241.05%
Q1 20251.39%
Q2 20251.49%
Q3 20251.21%
Q4 20251.11%
Q1 20261.24%
Q2 20261.22%
Return on assets
0.19%0.89%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20240.55%
Q4 20240.62%
Q1 20250.19%
Q2 20250.80%
Q3 20251.03%
Q4 20251.14%
Q1 20261.59%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.3B10.03%1.22%1.34%99.6%
Q1 202663$1.3B10.66%1.24%1.59%103.3%
Q4 202559$1.3B10.26%1.11%1.14%102.8%
Q3 202559$1.3B10.81%1.21%1.03%103.0%
Q2 202554$1.3B10.38%1.49%0.80%100.1%
Q1 202550$1.2B10.60%1.39%0.19%101.6%
Q4 202456$1.3B10.26%1.05%0.62%102.6%
Q3 202453$1.2B10.32%1.33%0.55%101.4%
Q2 202462$1.3B10.79%1.06%1.40%109.3%

897 peers · $1 billion – $10 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 ratio10.03%
38th
Total risk-based capital0.00%
13th
Problem loans1.22%
22nd
Net charge-offs0.02%
60th
Return on assets1.34%
58th
Net interest margin3.63%
45th
Efficiency ratio84.2%
4th
Loans to deposits99.6%
16th
Uninsured deposits29.2%
55th
Loan-loss reserves0.97%
27th
Texas ratio9.4%
19th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
1st Financial Bank USABank Dakota Dunes, SD74 out of 100, Strong$1.4B16.3%1.51%vs
CorTrust Bank National AssociationBank Mitchell, SD62 out of 100, Moderate$1.6B9.9%0.70%vs
Pioneer Bank & TrustBank Belle Fourche, SD81 out of 100, Strong$1.0B11.6%0.14%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
BankWest, Inc.Bank Pierre, SD38 out of 100, Low$1.9B9.2%2.76%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs

Deposit insurance

Is my money safe at Plains Commerce Bank?

Yes. Plains Commerce Bank is an FDIC-insured institution (FDIC certificate #1678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.2% of deposits ($315.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.03%, 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

8 locations

Branches

Plains Commerce Bank lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Plains Commerce Bank reported 20,190 home-loan applications under HMDA (LEI 549300KJ8PAJ7E52HG32): 12,504 originated ($4,452,560,000 total), 1,397 denied, and 6,268 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Plains Commerce Bank
Former names
Bank of Hoven
Type
State-chartered bank
FDIC certificate #
1678
RSSD ID
593052
Primary regulator
FDIC
Holding company
Plains Commerce Financial Inc
Established
July 16, 1931
Headquarters
3905 W 49th St, Sioux Falls, SD 57106
Employees
442

Quick answers

Plains Commerce Bank: common questions

Is Plains Commerce Bank FDIC insured?

Yes. Plains Commerce Bank is an FDIC-insured institution (FDIC certificate #1678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Plains Commerce Bank's TellerScore?

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

Has Plains Commerce Bank ever failed?

There is no failure record for FDIC certificate #1678 in the FDIC failed bank list.

How many branches does Plains Commerce Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs