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Distressed Note Industry
South Dakota Consumer Loans
Analyzing consumer loans loan performance across 130 South Dakota banks
As of Q2 2025, 130 South Dakota banks report consumer loans portfolios totaling $520.2B. Non-performing loans in this category total $6.5B — an average NPL ratio of 1.24% — with $7.0B 30-89 days delinquent, $6.3B 90+ days delinquent, and $184.4M in nonaccrual status. The most distressed lender in this category is ONE AMERICAN BANK (SD) with an NPL ratio of 3.85%.
Total Lenders
130
Total Loan Portfolio
$520.2B
Total NPL
$6.5B
Average NPL %
1.24%
Delinquency Breakdown
30-89 Days
$7.0B
90+ Days
$6.3B
Nonaccrual
$184.4M
Charge-offs
$12.6B
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in South Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| ONE AMERICAN BANK | SD | $7.2M | $276K | 3.85% |
| ONE AMERICAN BANK | SD | $7.3M | $276K | 3.78% |
| BRYANT STATE BANK | SD | $3.5M | $120K | 3.39% |
| 1ST FINANCIAL BANK USA | SD | $363.9M | $11.9M | 3.27% |
| 1ST FINANCIAL BANK USA | SD | $365.1M | $11.9M | 3.26% |
| BRYANT STATE BANK | SD | $3.7M | $120K | 3.20% |
| FARMERS AND MERCHANTS STATE BANK, THE | SD | $886K | $28K | 3.16% |
| FARMERS AND MERCHANTS STATE BANK, THE | SD | $886K | $28K | 3.16% |
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