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Distressed Note Industry
South Dakota Commercial & Industrial
Analyzing commercial & industrial loan performance across 112 South Dakota banks
As of Q2 2025, 112 South Dakota banks report commercial & industrial portfolios totaling $467.0B. Non-performing loans in this category total $2.3B — an average NPL ratio of 0.50% — with $1.4B 30-89 days delinquent, $242.5M 90+ days delinquent, and $2.1B in nonaccrual status. The most distressed lender in this category is STATE BANK OF EAGLE BUTTE (SD) with an NPL ratio of 16.96%.
Total Lenders
112
Total Loan Portfolio
$467.0B
Total NPL
$2.3B
Average NPL %
0.50%
Delinquency Breakdown
30-89 Days
$1.4B
90+ Days
$242.5M
Nonaccrual
$2.1B
Charge-offs
$948.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in South Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| STATE BANK OF EAGLE BUTTE | SD | $2.0M | $333K | 16.96% |
| STATE BANK OF EAGLE BUTTE | SD | $2.0M | $333K | 16.96% |
| FIRST NATIONAL BANK | SD | $147.4M | $8.1M | 5.50% |
| FIRST NATIONAL BANK | SD | $147.4M | $8.1M | 5.50% |
| FARMERS AND MERCHANTS STATE BANK | SD | $14.1M | $759K | 5.38% |
| FARMERS AND MERCHANTS STATE BANK | SD | $14.1M | $759K | 5.38% |
| CORTRUST BANK NATIONAL ASSOCIATION | SD | $170.2M | $3.2M | 1.86% |
| CORTRUST BANK NATIONAL ASSOCIATION | SD | $170.2M | $3.2M | 1.86% |
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