Black Hills Community Bank, N.A.

840 Mount Rushmore Road
Rapid City, SD 57701

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58723
Date Established 2007
Assets $0.22 billion
Loans $0.19 billion
Deposits $0.20 billion
Capital $0.02 billion

Black Hills Community Bank, N.A. is an FDIC insured institution located in Rapid City, SD. It was founded in 2007 and has approximately $0.22 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Black Hills Community Bank, N.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Black Hills Community Bank, N.A.’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in South Dakota, Black Hills Community Bank, N.A. has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.09
Multifamily
Mortgages
6.38
Credit Card Loans 0.00
Consumer Auto Loans 0.22
Small Business Loans 19.59
Construction and Development Loans 12.19
Commercial Real Estate 48.44
Commercial and Industrial Loans 14.34
Farm Loans 0.35

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K
0.20% $500 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.25% $25,000 - Learn MoreShow Less
06MCD10K
0.25% $500 $24,999 Learn MoreShow Less
6 Mo CD 100K
0.30% $25,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
FIXIRA0K
0.50% $500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.90% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.05% $1,000 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.05% $5,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.10% $25,000 $99,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Black Hills Community Bank, N.A.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.680% 3.625% 0.50 $1,705 $1,141 Learn More

Note to Black Hills Community Bank, N.A.
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Branches

Black Hills Community Bank, N.A. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Black Hills Community Bank, N.a. Locations

Financial Details

Black Hills Community Bank, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Black Hills Community Bank, N.A.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Black Hills Community Bank, N.A. U.S. Bank Average
0.76% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Black Hills Community Bank, N.A. had $207,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,733,000 in equity and $2,579,000 in loans loss reserves. That gives it a Texas Ratio of 0.76%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Black Hills Community Bank, N.A. U.S. Bank Average
10.21% 8.39%

Black Hills Community Bank, N.A. has a Return on Equity of 10.21% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Black Hills Community Bank, N.A. U.S. Bank Average
11.08% 11.94%

Black Hills Community Bank, N.A. has a Capitalization of 11.08% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Black Hills Community Bank, N.A. Balance Sheet Analysis

As of June 30, 2017, Black Hills Community Bank, N.A. had assets of $223,309,000, loans of $191,110,000, and deposits of $197,825,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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