FDIC Cert #18145 · Eagle Butte, South Dakota · Est. 1960

State Bank of Eagle Butte - FDIC Bank Health Profile

A community-scale look at State Bank of Eagle Butte's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$86M
Total assets
A
Health grade · Excellent
1.15%
Return on assets
22.0%
Tier 1 capital

Data updated July 2026

The verdict

State Bank of Eagle Butte earns a PlainBankData health grade of A (84/100), with well-capitalized at 21.99% Tier 1, profitable at 1.15% ROA, 74% efficiency ratio.

#3,848
largest of 4,313 FDIC banks by assets
11th
percentile by asset size, nationally
21.99%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 18145 · SD A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1493/4307
  • PHOTO-FINISH First State Bank · TX
  • TIER1-WELL 22.0% Tier 1
  • TEXAS-CLEAN 4.5% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: First State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around State Bank of Eagle Butte

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First State Bank · TX · near84/100Kennebec Savings Bank · ME ·…84/100Peoples State Bank · OK · ne…84/100State Bank & Trust C… · LA ·…84/100State Bank of Eagle… · SD · …84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around State Bank of Eagle Butte · July 2026

Plate reading for State Bank of Eagle Butte where failures stay rare

State Bank of Eagle Butte (FDIC Cert #18145) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,493 of 4,307. Tier 1 capital prints at 21.99%, clearing the 10% well-capitalized line. The Texas Ratio is 4.55%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $86M, 3,848th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around State Bank of Eagle Butte

Only 1 FAILURE resolution in South Dakota since 2000

State Bank of Eagle Butte is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

How State Bank of Eagle Butte's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
State Bank of Eagle Butte's composite health score
Tier 1 Capital Ratio (21.99%) 40/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (4.55%) 20/20
Efficiency Ratio (73.74%) 4/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$86M

Total balance-sheet footings

Total Deposits

$77M

Customer-funded liabilities

Net Loans

$30M

Outstanding loan book

Net Income

$940K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.59% 21.99% 23.39%
Basel III capital ratios - State Bank of Eagle Butte

Where State Bank of Eagle Butte ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Eagle Butte's score of 84/100 falls in the highlighted band.

State Bank of Eagle Butte: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. State Bank of Eagle Butte 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

State Bank of Eagle Butte'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). State Bank of Eagle Butte's $86M falls in the highlighted band.

Safety metrics: State Bank of Eagle Butte

Tier 1 capital ratio
Well-capitalized 10%

21.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
21.99%
Texas Ratio
4.55%
Equity Capital
$9M

What these ratios mean →

Earnings posture at State Bank of Eagle Butte

Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
11.62%
Efficiency Ratio
73.74%

What these mean →

Income & expense at State Bank of Eagle Butte

$5M
Interest Income
$1M
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Eagle Butte reports a Texas Ratio of 4.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View State Bank of Eagle Butte on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($86M here), outside South Dakota so the neighborhood is not state containment.

Bank of Elgin $86M · NE First Federal Savings and Loan Associ… $86M · KY Bank of Hancock County $86M · GA Siouxland Bank $87M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Eagle Butte (FDIC Cert #18145) - 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.

State Bank of Eagle Butte Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
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%