Campbell County Bank, Inc.
Herreid, South Dakota, Campbell County
$241M in total assets, the 2,808th largest of 4,309 US banks and 35th of 58 headquartered in South Dakota.
- FDIC certificate
- 16161
- Established
- 1944
- Owned by
- No holding company
- Primary regulator
- FDIC
At a glance
Compared with 24 banks headquartered in South Dakota with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $241M | 38% | $258M | |
| Loans | $202M | 54% | $165M | |
| Deposits | $196M | 42% | $225M | |
| Return on assets | 2.17% | 83% | 1.59% | |
| Net interest margin | 4.99% | 92% | 3.74% | |
| Efficiency ratio | 46.6% | 21% | 54.3% | |
| Equity to assets | 13.40% | 75% | 10.31% | |
| Loans to deposits | 103% | 96% | 82% |
Growth
Total assets grew 10.5% a year over the last 5 years and 9.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2025 | Farmers State Bank Hosmer, SD | $21M |
| Jul 2019 | Menno State Bank Menno, SD | $34M |
Where they operate
4 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Campbell County, SD | $114M | 100.0% | 1 of 1 |
| Hutchinson County, SD | $63M | 12.6% | 3 of 7 |
| Edmunds County, SD | $19M | 8.9% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (2 to 4, +100.0%). 0 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2019 | Acquired Menno State Bank | 1 | 0 | +1 | 3 |
| 2025 | Acquired Farmers State Bank | 1 | 0 | +1 | 4 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 64% | 28% | |
| Farmland | 19% | 22% | |
| Business (C&I) | 10% | 10% | |
| Commercial real estate | 5% | 14% | |
| Consumer | 1% | 4% | |
| Construction and land | 0% | 3% | |
| 1-4 family residential | 0% | 14% | |
| Multifamily | 0% | 4% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 42% | 37% | |
| Other interest-bearing | 41% | 45% | |
| Noninterest-bearing | 17% | 18% |
Brokered deposits are 2.6% of deposits (peers 3.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.58% | 0.16% |
| Net charge-offs, annualized | -0.01% | 0.00% |
| Reserves to loans | 1.71% | 1.27% |
| Leverage ratio | 12.93% | 10.51% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in South Dakota
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/campbell-county