Question 1

Which South Dakota banks have the most non-performing residential real estate?

Accepted Answer

1. CAMPBELL COUNTY BANK (SD) — 46.76% NPL; 2. CAMPBELL COUNTY BANK (SD) — 46.76% NPL; 3. BANCORP BANK NATIONAL ASSOCIATION, THE (SD) — 12.32% NPL; 4. BANCORP BANK NATIONAL ASSOCIATION, THE (SD) — 10.90% NPL; 5. WELLS FARGO BANK, NATIONAL ASSOCIATION (SD) — 6.91% NPL

Question 2

How large is the residential real estate market for South Dakota banks?

Accepted Answer

As of Q2 2025, 165 South Dakota banks report residential real estate portfolios totaling $723.4B. Non-performing loans in this category total $13.2B — an average NPL ratio of 1.83% — with $4.2B 30-89 days delinquent, $5.6B 90+ days delinquent, and $7.7B in nonaccrual status.

Bank Name	State	Portfolio	NPL	NPL %
CAMPBELL COUNTY BANK	SD	$340K	$159K	46.76%
CAMPBELL COUNTY BANK	SD	$340K	$159K	46.76%
BANCORP BANK NATIONAL ASSOCIATION, THE	SD	$14.0M	$1.7M	12.32%
BANCORP BANK NATIONAL ASSOCIATION, THE	SD	$15.8M	$1.7M	10.90%
WELLS FARGO BANK, NATIONAL ASSOCIATION	SD	$463.0M	$32.0M	6.91%
WELLS FARGO BANK, NATIONAL ASSOCIATION	SD	$11.6B	$783.0M	6.74%
CITIBANK, N.A.	SD	$2.7B	$109.0M	4.03%
FIRST NATIONAL BANK IN SIOUX FALLS, THE	SD	$13.0M	$397K	3.06%

South Dakota Residential Real Estate

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Residential Real Estate in South Dakota

Residential Real Estate in Other States

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