Total Assets
$154M
Total balance-sheet footings
FDIC Cert #505 · Eureka, South Dakota · Est. 1920
Great Plains Bank - FDIC Bank Health Profile
A community-scale look at Great Plains Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $154M
- Total assets
- A
- Health grade · Excellent
- 2.71%
- Return on assets
- 17.4%
- Tier 1 capital
Data updated July 2026
The verdict
Great Plains Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 17.42% Tier 1, profitable at 2.71% ROA, efficient (39% cost ratio).
- #3,316
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 17.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Great Plains Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Great Plains Bank's composite health score
Tier 1 Capital Ratio (17.42%) 40/40
Return on Assets (ROA) (2.71%) 25/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (39.18%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$123M
Customer-funded liabilities
Net Loans
$111M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Great Plains Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Great Plains Bank's score of 100/100 falls in the highlighted band.
Great Plains Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Great Plains Bank's $154M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.42%
Texas Ratio
0.08%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.71%
Return on Equity (ROE)
16.00%
Efficiency Ratio
39.18%
What the numbers say about Great Plains Bank
Great Plains Bank is an FDIC-insured institution (Certificate #505) headquartered in Eureka, South Dakota, established in 1920. It holds $154M in total assets - 3,316th of 4,313 FDIC-insured banks, $123M in customer deposits, and $111M in net loans. Its capital position: a Tier 1 ratio of 17.42%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.08% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Great Plains Bank is a community-scale institution -- 38th of 56 FDIC-insured banks headquartered in South Dakota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$10M
Interest Income
$109K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Great Plains Bank reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Great Plains Bank (FDIC Cert #505) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is Great Plains Bank's health grade?▼
Great Plains Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Great Plains Bank?▼
Great Plains Bank holds $154M in total assets and $123M in deposits, ranking 3,316th of 4,313 FDIC-insured banks by asset size. It is headquartered in Eureka, South Dakota.
Is my money safe at Great Plains Bank?▼
Yes, deposits at Great Plains Bank (Certificate #505) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Great Plains Bank's Tier 1 Capital Ratio?▼
Great Plains Bank has a Tier 1 Capital Ratio of 17.42%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Great Plains Bank?▼
Great Plains Bank has a Texas Ratio of 0.08%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Great Plains Bank?▼
Great Plains Bank has an Efficiency Ratio of 39.18%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Great Plains Bank's profile as a depositor or analyst.
- Great Plains Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Great Plains Bank against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.