State Bank of Eagle Butte
Eagle Butte, South Dakota · FDIC Cert #18145
State Bank of Eagle Butte is an FDIC-insured bank (Certificate #18145) with $69M in total assets and $62M in total deposits as of the Q2 2024 Call Report. Headquartered in Eagle Butte, South Dakota, the bank maintains a Tier 1 capital ratio of 21.11% (Well-Capitalized) and a nonperforming loan ratio of 2.55%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
State Bank of Eagle Butte (FDIC cert 18145) is a community bank — $69M in total assets, $62M in deposits, serving the Eagle Butte, South Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 21.11% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.55% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 46.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.02% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. State Bank of Eagle Butte carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: State Bank of Eagle Butte
- Total Assets
- $69M
- Total Deposits
- $62M
- Tier 1 Capital Ratio
- 21.11%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.55%
- Liquidity Ratio
- 46.29%
- Return on Assets
- 1.02%
- Headquarters
- Eagle Butte, South Dakota
- FDIC Certificate
- #18145
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, State Bank of Eagle Butte holds a Tier 1 capital ratio of 21.11%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning State Bank of Eagle Butte has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
State Bank of Eagle Butte shows strong financial health indicators. With $69M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How State Bank of Eagle Butte Compares
State Bank of Eagle Butte’s Health Score of 81 is 7 points above the South Dakota state average of 74 across 47 FDIC-insured banks. Its 21.11% Tier 1 capital ratio is 7.1 points above the US banking industry average near 14%. The 2.55% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.02% is below the national ROA benchmark of ~1.1%. Among 782 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, State Bank of Eagle Butte is 11 points above the portfolio average of 70.
Frequently Asked Questions
State Bank of Eagle Butte has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 21.11%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. State Bank of Eagle Butte's Tier 1 capital ratio of 21.11% and nonperforming loan ratio of 2.55% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at State Bank of Eagle Butte is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18145). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
State Bank of Eagle Butte holds $69M in total assets and $62M in total deposits. It is headquartered in Eagle Butte, South Dakota (FDIC Certificate #18145).
State Bank of Eagle Butte has a Tier 1 capital ratio of 21.11%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.55%, and the return on assets is 1.02%.
Yes. State Bank of Eagle Butte is FDIC-insured (Certificate #18145). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
State Bank of Eagle Butte's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.