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Distressed Note Industry
South Dakota Commercial Loans
Analyzing commercial loans loan performance across 185 South Dakota banks
As of Q2 2025, 185 South Dakota banks report commercial loans portfolios totaling $265.2B. Non-performing loans in this category total $9.4B — an average NPL ratio of 3.56% — with $288.1M 30-89 days delinquent, $1.4B 90+ days delinquent, and $8.1B in nonaccrual status. The most distressed lender in this category is BANKWEST, INCORPORATED (SD) with an NPL ratio of 12.15%.
Total Lenders
185
Total Loan Portfolio
$265.2B
Total NPL
$9.4B
Average NPL %
3.56%
Delinquency Breakdown
30-89 Days
$288.1M
90+ Days
$1.4B
Nonaccrual
$8.1B
Charge-offs
$419.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in South Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BANKWEST, INCORPORATED | SD | $171.5M | $20.8M | 12.15% |
| COMMERCIAL STATE BANK OF WAGNER | SD | $20.2M | $1.7M | 8.36% |
| PLAINS COMMERCE BANK | SD | $32.1M | $2.5M | 7.86% |
| COMMERCIAL STATE BANK OF WAGNER | SD | $21.9M | $1.7M | 7.71% |
| BANCORP BANK NATIONAL ASSOCIATION, THE | SD | $171.3M | $11.2M | 6.52% |
| BANKWEST, INCORPORATED | SD | $335.4M | $21.6M | 6.44% |
| WELLS FARGO BANK, NATIONAL ASSOCIATION | SD | $62.0B | $3.5B | 5.57% |
| QUOIN FINANCIAL BANK | SD | $3.2M | $142K | 4.37% |
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