TellerScore

State Bank of Eagle Butte (FDIC certificate #18145) is based in Eagle Butte, South Dakota. Its Q2 2026 call report shows $80.3M in total assets and $70.9M in deposits and 1 office.

State Bank of Eagle Butte has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 22nd. Problem-loan coverage contributes the most (100/100, 0.2%); funding & liquidity contributes the least (57/100, 43% loans-to-deposits, 54% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.37%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 42.5% · 54.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.22%

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 15 points (63 → 78), mostly because the loan quality component improved by 45 points.

TellerScore
486378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202448
Q4 202449
Q1 202563
Q2 202563
Q3 202566
Q4 202562
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%8.68%12.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.88%
Q3 202411.69%
Q4 202411.16%
Q1 202511.29%
Q2 202511.40%
Q3 202511.85%
Q4 202511.03%
Q1 202611.75%
Q2 202612.37%
Noncurrent loans
0.07%1.71%3.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.55%
Q3 20243.34%
Q4 20242.97%
Q1 20251.69%
Q2 20251.40%
Q3 20251.27%
Q4 20251.43%
Q1 20260.15%
Q2 20260.07%
Return on assets
0.83%1.18%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.95%
Q4 20241.17%
Q1 20251.54%
Q2 20251.16%
Q3 20251.18%
Q4 20251.15%
Q1 20261.36%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$80.3M12.37%0.07%1.08%42.5%
Q1 202677$81.5M11.75%0.15%1.36%39.4%
Q4 202562$86.3M11.03%1.43%1.15%38.6%
Q3 202566$81.1M11.85%1.27%1.18%44.5%
Q2 202563$78.2M11.40%1.40%1.16%43.7%
Q1 202563$84.0M11.29%1.69%1.54%38.3%
Q4 202449$78.4M11.16%2.97%1.17%41.3%
Q3 202448$76.1M11.69%3.34%0.95%45.5%
Q2 202452$69.0M11.88%2.55%0.83%48.1%

546 peers · Under $100 million in assets

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 ratio12.37%
46th
Total risk-based capital24.73%
81st
Problem loans0.07%
64th
Net charge-offs0.74%
4th
Return on assets1.08%
55th
Net interest margin5.97%
97th
Efficiency ratio78.1%
36th
Loans to deposits42.5%
80th
Uninsured deposits54.0%
2nd
Loan-loss reserves2.75%
91st
Texas ratio0.2%
67th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank of CantonBank Canton, SD70 out of 100, Strong$81.6M8.7%0.00%vs
Western Dakota BankBank Timber Lake, SD66 out of 100, Moderate$85.6M9.2%0.62%vs
Ipswich State BankBank Ipswich, SD86 out of 100, Very strong$74.2M15.5%1.31%vs
Community BankBank Avon, SD76 out of 100, Strong$69.3M12.2%0.60%vs
The Security State BankBank Emery, SD99 out of 100, Very strong$64.8M19.5%0.00%vs
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs

Deposit insurance

Is my money safe at State Bank of Eagle Butte?

Yes. State Bank of Eagle Butte is an FDIC-insured institution (FDIC certificate #18145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 54.0% of deposits ($38.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.73% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

State Bank of Eagle Butte lists 1 office in 1 city. Most locations:

  • Eagle Butte, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
State Bank of Eagle Butte
Type
State-chartered bank
FDIC certificate #
18145
RSSD ID
403656
Primary regulator
FDIC
Established
February 1, 1960
Headquarters
305 S Main St, Eagle Butte, SD 57625
Employees
20

Quick answers

State Bank of Eagle Butte: common questions

Is State Bank of Eagle Butte FDIC insured?

Yes. State Bank of Eagle Butte is an FDIC-insured institution (FDIC certificate #18145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank of Eagle Butte's TellerScore?

78 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 State Bank of Eagle Butte ever failed?

There is no failure record for FDIC certificate #18145 in the FDIC failed bank list.

How many branches does State Bank of Eagle Butte have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Eagle Butte

InstitutionScoreAssetsCapitalProblem loansCompare
1st Financial Bank USABank Dakota Dunes, SD74 out of 100, Strong$1.4B16.3%1.51%vs