# GREAT PLAINS BANK
EUREKA, SD · FDIC certificate 505 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $150.4M | |
| Deposits | $120.6M | |
| Loans and leases | $109.6M | |
| Total equity | $26.8M | |
| Loans / deposits | 89.35% (p78 of band) | 73.59% |
| Liquid assets / assets | 25.95% (p34 of band) | |
| Uninsured deposits / deposits | 23.42% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.69% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -1.04% (p77 of band) | -6.57% |
| AOCI / equity | -1.15% (p24 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.17% |
| Net interest margin | 4.10% (p59 of band) | 3.93% |
| Efficiency ratio | 52.71% (p19 of band) | |
| Noncurrent loans | 3.49% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 48.61% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 34.58% (p68 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | loans exceed deposits | reserve under noncurrent |
| 2011-09 | 0 |  | loans exceed deposits |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2012-09 | 1 |  | loans exceed deposits |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | loans exceed deposits, capital falling |  |
| 2013-09 | 0 |  | loans exceed deposits, capital falling |
| 2013-12 | 1 | loans exceed deposits |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 5 | liquid assets <10%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 3 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 2 |  | deposits shrinking |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 4 | assets shrinking |  |
| 2015-09 | 1 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 1 |  | assets shrinking |
| 2016-06 | 3 | loans exceed deposits, noncurrent p90 |  |
| 2016-09 | 4 | liquid assets <10% |  |
| 2016-12 | 5 | capital falling |  |
| 2017-03 | 4 |  | noncurrent p90 |
| 2017-06 | 4 |  |  |
| 2017-09 | 5 | noncurrent p90, uninsured deposits leaving | capital falling |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 | brokered >10% | uninsured deposits leaving |
| 2018-06 | 5 | wholesale funding >15% | brokered >10% |
| 2018-09 | 4 | brokered >10% | loans exceed deposits, wholesale funding >15% |
| 2018-12 | 4 | charge-offs p90 | liquid assets <10% |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2019-09 | 3 |  | loans exceed deposits, wholesale funding >15% |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | brokered >10% |
| 2021-12 | 4 | capital falling, charge-offs p90 |  |
| 2022-03 | 2 |  | capital falling, charge-offs p90 |
| 2022-06 | 3 | uninsured deposits leaving |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | noncurrent p90, uninsured deposits leaving |
| 2022-12 | 0 |  | reserve under noncurrent, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 3 | noncurrent p90, reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2024-06 | 2 | uninsured deposits leaving | deposits shrinking |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 1 | capital falling | reserve under noncurrent |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | noncurrent p90, reserve under noncurrent |  |

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

- 2020-10-29 [Abrego: Great Plains Bank celebrates 100 years, five generations - aberdeennews.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPYnVrdWNZbVQwektOdC1BSVBvQ0hCd1BTN0xYYTdPMTRYZEhBbkpFcW9RVTZQS2EtUTdEVDJfTHNxb1BuQnU5VS0za3hpbnU1S1RYRU9CTG9MTE45bjN0MFY4cGVhZDc3ZzQ2azNBTloyRzdUNml5dkhiejE5UVRBdjVOS0piZGlfd0VjM2F4UHBMd1JMVHhyRUM4a1dHMzQyOEM2SW1Pb200ZjlyVzVwY3d6b2hIOFJUd0o1aUNxZVBrbE03QkQw?oc=5) · aberdeennews.com
- 2023-04-02 [SVB’s Closure Rocked Banking World. Could It Happen In South Dakota? - Aberdeen Insider](https://news.google.com/rss/articles/CBMisAFBVV95cUxNd1gwSlRlTFRpUU44NThkV1B3UHZtN3RqZGxieGxoTVVGZjFZazFUTU9ibmJ4Z0NKTUR1eU0wcGFIbENsX3VURTF6X0NqODFXZk93WmtJeldaQlhJblI3NUZjeEJzWFpXbV9zT3M3Sl9IY1JMX2pDNHhZWjlCUXRoZUp4WTl5OFBFZTBOWWF1dVlNQjUwcjRMYUtUQmh6NWtJOTk1NXBDbDZkWlVkbEVacw?oc=5) · Aberdeen Insider
- 2020-07-07 [SBA releases list of businesses that benefited from PPP loans - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxQck1HenhZN1ZQYkZJMHJWVjVURW5FTHJiWGUxRXhXbTJwOVdNTWRSQjVkUmtoSjQ1Tk1qc1h2UmQ3OWx4LUJLVTd3TUlYekRFSmNLZmtFMWU0WmFDWkI5cEFIRWNoVWpaU0dsUFR1UEdlZGFQTHliOU56eXc2cDVxRkFuOTUtRjl0MUpRRnl0Uld6OG9T?oc=5) · SiouxFalls.Business
- 2026-03-09 [Aberdeen Area Veterans Gets Boost In Effort To Buy Downtown Milwaukee Depot - Aberdeen Insider](https://news.google.com/rss/articles/CBMipwFBVV95cUxPM1BJa2Z4eHJwem80Smg1RXVQSDZGTnh0eTF2cUR3eVd5bUtzbVZiSHQ1cV90RC1EcDRCX1d3cW1rMlktQjQtcGZmY0h3MUUySk5ER3Fhb1dxQUh6WDhaRTdQMjVBTjB5NlRVYTRGeFhZTjUzVmpkQUg4eEIxUlhwN25LN3BaTEt0MzNnNmk5QXlCT0V6VXZlU2plbTVfbDU4aFhXS1prRQ?oc=5) · Aberdeen Insider
- 2016-04-27 [Dean O. Mehlhaff Obituary Apr 27, 2016 - Schriver's Memorial Mortuary & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTE96dlBwLWtFd1BfbzctSGxodlNHTXhoMHdPcHlSUVNJMkhQczc3NnJmM2RWbXY3d084b0pfN2hRd2RZRjlwYkl1Uk82UkpiTnNVbFh6LVhRTjJoWXVmUmNwX1dET3V2dGVESnc?oc=5) · Schriver's Memorial Mortuary &amp; Crematory
- 2016-12-23 [Oswald joins Great Plains Bank - aberdeennews.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQW1xYW5QQlJzbHlGaHVFaTZlWGJUVk5oX3VmTmg1dzZKSWpodmd4Tjd6TS1DM3pZOUxOYjFVVXlRdm5nQVZzMnpZb3A1NUMydmhjRWwxRmlfYUVqZHZpZmdFemJla0tselhGT0tjd3ZEcllJcjBTcURUZWlJdHdqOTFhM1k3a19lbk9DTWxTS0tsWkRYZEJsRTh0aVQ?oc=5) · aberdeennews.com
- 2026-01-06 [Roncalli Nearly New Will Have Three Times As Much Space After 2026 Move - Aberdeen Insider](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSVJUa3RmMW84N29nZ3ZhejdUNUoyVlc3SzZLYU04S1MxQ3JTaFdTWExFNlpZdXd4TC1qYjJCcDF1eFdiRS10ZE5VdFoyRUpmOVFkZ3Y5bGJlaEcxckJOMlhaa0RBRXdQMEZsTmQzQUF3dk15QTF6QTQ4TnZvOWp4VDBScHdYWE41UG11T0xvRHA2RGdqQ1l5UTc2bjFnS2wzUGc?oc=5) · Aberdeen Insider
- 2015-10-04 [NSU junior Miss SD contestant - aberdeennews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdzBjb21DWWt1M3JJbTJ5QVBMSWFLVml3Tjd6bG1Ba0pkYnVwWUNKTThCcGo0TWxnVE1nWmFvUUh1V0tMbmxJUnZqemlRdThfTWRCMUVPTGdBT3JfdC1icmFFYmNhNU9TSWxPNzl1VGFyWHJhaGN1TlM1Mk55TzRzUnk4bzctbHRuWGNvZ3lXYlhyUV9oR1NYSw?oc=5) · aberdeennews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=505 (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/57.json (key "505", 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