# PLAINS COMMERCE BANK
SIOUX FALLS, SD · FDIC certificate 1678 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.30B | |
| Deposits | $1.08B | |
| Loans and leases | $1.08B | |
| Total equity | $139.9M | |
| Loans / deposits | 99.58% (p84 of band) | 87.10% |
| Liquid assets / assets | 9.56% (p5 of band) | |
| Uninsured deposits / deposits | 29.24% (p45 of band) | 30.76% |
| Brokered deposits | 9.00% | |
| Wholesale funding | 13.77% (p76 of band) | |
| FHLB advances / assets | 4.77% | |
| Tier 1 leverage | 10.03% (p38 of band) | 10.50% |
| Unrealized securities loss / equity | -2.26% (p79 of band) | -7.75% |
| AOCI / equity | -0.37% (p45 of band) | |
| ROA (annualized) | 1.34% (p58 of band) | 1.26% |
| Net interest margin | 3.63% (p45 of band) | 3.70% |
| Efficiency ratio | 84.16% (p96 of band) | |
| Noncurrent loans | 1.22% (p78 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 79.58% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 51.69% (p55 of band) | |
| Auto loans | $915,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $50.7M (36% of equity) (p95 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 442 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 2 | loans exceed deposits, construction >100% equity |  |
| 2013-12 | 2 | capital falling | loans exceed deposits |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 3 | capital falling, reserve under noncurrent | construction >100% equity |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 | charge-offs p90 | loans exceed deposits |
| 2015-09 | 2 | noncurrent p90 | capital falling, charge-offs p90 |
| 2015-12 | 5 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2016-03 | 2 |  | loans exceed deposits, liquid assets <10%, charge-offs p90 |
| 2016-06 | 4 | liquid assets <10%, uninsured deposits leaving |  |
| 2016-09 | 3 | charge-offs p90 | liquid assets <10%, uninsured deposits leaving |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 4 | expense ratio p90, charge-offs p90 | capital falling |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | expense ratio p90, charge-offs p90 |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 2 |  | loans exceed deposits, wholesale funding >15%, liquid assets <10%, capital falling |
| 2021-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2021-06 | 3 | expense ratio p90 |  |
| 2021-09 | 3 | assets shrinking | reserve under noncurrent |
| 2021-12 | 2 |  | assets shrinking |
| 2022-03 | 3 | losing money, assets shrinking | charge-offs p90 |
| 2022-06 | 4 | charge-offs p90, deposits shrinking | losing money |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | loans exceed deposits, liquid assets <10% | assets shrinking, charge-offs p90 |
| 2023-03 | 5 | wholesale funding >15%, capital falling, uninsured deposits leaving | deposits shrinking, liquid assets <10% |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | capital falling |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | brokered >10%, reserve under noncurrent | expense ratio p90, uninsured deposits leaving |
| 2024-06 | 5 | liquid assets <10% |  |
| 2024-09 | 7 | capital falling, expense ratio p90 |  |
| 2024-12 | 5 |  | reserve under noncurrent, liquid assets <10% |
| 2025-03 | 4 | reserve under noncurrent | brokered >10%, capital falling |
| 2025-06 | 5 | brokered >10% |  |
| 2025-09 | 6 | liquid assets <10% |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 6 |  |  |
| 2026-06 | 3 |  | loans exceed deposits, wholesale funding >15%, brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-05 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1BT0VmOFBSbl9KSmUyTnItS1B6bzhYNkN4SmlaZWRtdkdFcXduS3lvdk0xaHVWNkd0TWpsczlycG44cW8zWXVQQUJnbGwtSEFYXzJzNVRFNmF5QQ?oc=5) · SiouxFalls.Business
- 2021-12-28 [Plains Commerce Bank to build 'new, exciting' Mitchell location - mitchellrepublic.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxONE1Bb01aeWRjdl9Vb2hPYkRLTkRVZ3NFTmFldzdLZU10RnNkS1YxMUR2WVpCTkZXY2NyU1AyRlczY2hJQ2UtR2hkQmNZRThyb0J6a3BhUmg5QjhZODB5U1doSjVIbTlqLW0xSG8wR3llVTk4aTR1MXRFbklwTlowZjZrRDE5Yk00UmNDNWlwY0dQTTE0d25BT090WEIzaGxyb3BPOA?oc=5) · mitchellrepublic.com
- 2018-02-20 [Sioux Falls Bank And Former Employees Reach Settlement Over Customer Information - KELOLAND.com](https://news.google.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?oc=5) · KELOLAND.com
- 2008-04-10 [Argument preview: Plains Commerce Bank v. Long Family Land & Cattle - SCOTUSblog](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRHFJLURRQzBOOGhGMmtLSGw2Q3pTV3ktY2RZVjRLUktzNmg4WHZ5LU03VzZ6SHZNcHVuREVhdFlsWWNUbEIyVkNuRTVYTmYzYmdFS1FEM2pQYk5TWEdtY1VxYm9jQzg4YlpOZDkwUVI4U0lhcFY5aGlqdzlOTWZkbXRSclRCd3FSTWJZSUdRVTVIVkNnWGF1ZmR2ZjVUZ185?oc=5) · SCOTUSblog
- 2019-07-18 [Flyboy Donuts and Plains Commerce Bank to build in southeastern Sioux Falls - Argus Leader](https://news.google.com/rss/articles/CBMiwwFBVV95cUxORF9WWVRxekJ5cXp5c2dfZnd5bGtKZGFUWlp4OTVzTVpNSElrMlVrT0MwY3N2MlJiTVlvSmZ3UjNYOWlUMlhYeVp0TDRfeXM1Qng5WTBwaUhFdERkbFdlb05QWFhKOFl1S0RZcS03cHRXREJkVlVPVElIOGdCOGR2RkVBQ2ZoQ29fY21MS2gtTFlQbC1FLS1majVVN2xYUmZCMFNOemhMcDAzRVlERlRfWmNlemFuSVVBeGM3WkpYemtNdVk?oc=5) · Argus Leader
- 2025-02-24 [Women of Excellence nominees announced - Dakota News Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTHdiMXJoT3RDNzRabV9KNHdYUlhJbXFOSkI1TG9xaU1pc2Noc2FVYzhMa1NJRlExQVN0SXhIYVZKWXB1LWZZWXhvVWNBVEhmMWdmNTViVE1lV0hyTVY3QXkyQTZRQzl2SDBTRVJVcTE5bGpsUTl0aGt2SHhvSGRCc2pFY9IBlwFBVV95cUxPZGpCcFBQSThTQy1XSm00OHpTczBSQnN6TUxlR0psU0I3ZzBQN3NwNmdqUko5WnpQQ1BjZ2VQb080bnpRU0wwWkVteF8xQVloV1ZmSG53b0lHNG8xRkt3ZG1fR1ZwMXBvMlpuRlRkMzJqemMxWXNfQWJTZTNFY2FYR2xUZ3NRanJTWEl0amdUOTVJVC1Ia1RN?oc=5) · Dakota News Now
- 2023-01-12 [Small-town sports bar finds new home - SiouxFalls.Business](https://news.google.com/rss/articles/CBMic0FVX3lxTFBGbDllZzROcTJCWlZmNURjQ1FQbkdNU3puYTB5WUlwaUxyamdTc21ydDBOYnpHY3FjYjluWHhySlZlR01NLTRCVi1DQTV1aG5vM0RKTldCWmlIa3lUNXVoaGJ5MG9fLTR5WEJmcEh5aGMxbVk?oc=5) · SiouxFalls.Business
- 2015-08-29 [Banking magnate heir says he can’t repay creditors - Argus Leader](https://news.google.com/rss/articles/CBMiowFBVV95cUxQN2hIWDBPeTIyd05CaFNMcE5mVndiZlUwck5ncG8xUEV6bW9LSXBaTU43TDRocWgxdEdGeXpRcVVYX2JPU1l2a0VGaEp1M3RvMUhzWUJ3bFVleklQOVdGTkxzRkRCWVZyLXJxUzZQOFF4MGFCUEVzaXlBcERMYjROQWh6aDNia2p6MF9OSzhnNERHMmxrN0lPOVVsVDlSVm5LNzQw?oc=5) · Argus Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1678 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "1678", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide