Plains Commerce Bank (FDIC #1678): Bank Stress & Real-Estate Credit Exposure
Plains Commerce Bank (FDIC Cert #1678): bank stress 61/100, elevated, STABLE over 7 days; parent PLAINS COMMERCE FINANCIAL INC.
Plains Commerce Bank (#1678) lends in 6 counties across 1 state; Plains Commerce Bank (#1678) reaches 75 ZIP codes: South Dakota 6 counties, 75 ZIPs.
Plains Commerce Bank (#1678) largest markets: Minnehaha County, SD (69 branches, 23 ZIPs) (#1678), Brown County, SD (20 branches, 20 ZIPs) (#1678), Spink County, SD (15 branches, 15 ZIPs) (#1678), Codington County, SD (10 branches, 10 ZIPs) (#1678), Davison County, SD (6 branches, 6 ZIPs) (#1678), Potter County, SD (5 branches, 5 ZIPs) (#1678).
Plains Commerce Bank (#1678) reports $1.30 billion in total assets; Plains Commerce Bank (#1678) equity $139.9 million (10.8% of Plains Commerce Bank (#1678) assets); Plains Commerce Bank (#1678) domestic deposits $1.08 billion; Plains Commerce Bank (#1678) net income $8.8 million; Plains Commerce Bank (#1678) return on assets 1.34%; Plains Commerce Bank (#1678) return on equity 12.66%; Plains Commerce Bank (#1678) net interest income $21.8 million; Plains Commerce Bank (#1678) call report June 30, 2026.
Plains Commerce Bank (#1678) noncurrent real-estate loans 0.07% of its book; Plains Commerce Bank (#1678) residential 0.05%; Plains Commerce Bank (#1678) net charge-offs on real estate 1.37%; Plains Commerce Bank (#1678) residential charge-offs 1.44%.
Plains Commerce Bank (#1678) net interest margin 3.63% against an eight-quarter Plains Commerce Bank (#1678) average of 3.29% (Plains Commerce Bank (#1678) compression -0.34 points); Plains Commerce Bank (#1678) real-estate loans 6.9% of equity; Plains Commerce Bank (#1678) non-residential real estate 144.3% of equity; Plains Commerce Bank (#1678) rate-exposure score 40/100, Plains Commerce Bank (#1678) fixed-rate trap 40/100; Plains Commerce Bank (#1678) risk type credit driven; Plains Commerce Bank (#1678) rate regime rates elevated, Plains Commerce Bank (#1678) snapshot October 20, 2026.
Plains Commerce Bank (#1678) stress score moved from 56.1 on June 22, 2026 to 61.1 on October 20, 2026; Plains Commerce Bank (#1678) ranged 56.1 to 61.1 over 117 snapshots.
Plains Commerce Bank (#1678) alerts: 6 counties; top Plains Commerce Bank (#1678) alert scores: Aberdeen County, SD 21 (low); Conde County, SD 21 (low); Hoven County, SD 21 (low); Mitchell County, SD 21 (low); Sioux Falls County, SD 21 (low).