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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · South Dakota, the state note

Bcorp Bank National Association

Sioux Falls, South Dakota · $9.21B in assets · beside the 5 other South Dakota banks between $3B and $10B

The filing

9.6%
Equity / assets
6th of 6
33.6%
CRE / loans
6th of 6
2.86%
ROA
1st of 6

Bcorp Bank National Association is the largest of the 6 South Dakota banks between $3B and $10B, with $9.21B in assets at 30 June 2026. Loans are 96.0% of deposits, 5th of 6 against a median of 90.6%, and equity is 9.6% of assets, the lowest in the cohort. Loans grew +7.0% in the year, 4th of 6, and deposits fell 3.7%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 1.33% of the book, 4th of 6 against a median of 0.87%; 0.48% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 1.57% of loans, the highest in the cohort. Commercial real estate is 33.6% of loans, the highest in the cohort against a median of 28.1%, and 254% of capital, below the 300% screen, with construction at 2% against the 100% screen.

Return on assets is 2.86%, the highest in the cohort against a median of 1.72%, on an efficiency ratio of 41.3%, the lowest in the cohort. Five years ago it was 1.78%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 9.9% of loans).

Commercial real estate, share of loansSD banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 28.1% PN Pathward National Association 0.8% FP First Premier Bank 13.8% DB Dacotah Bank 26.9% FD First Dakota National Bank 29.3% FB First Bank & Trust 29.6% BB Bcorp Bank National Association 33.6%
Loans, year over yearSD banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.6% FD First Dakota National Bank +11.8% PN Pathward National Association +8.6% DB Dacotah Bank +8.2% BB Bcorp Bank National Association +7.0% FB First Bank & Trust +2.5% FP First Premier Bank -0.5%

SBA 7(a), FY2008 to FY2026

Bcorp Bank National Association is the 62nd largest 7(a) lender into Texas of 706, with $169M across 227 loans, 0.4% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 289 of its 511 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$77M20th of 2821.2%-0.1 pts
Maricopa, AZ$56M35th of 3030.7%+0.2 pts
Harris, TX$38M53rd of 3140.5%+0.6 pts
Los Angeles, CA$33M76th of 3080.2%-0.1 pts
San Diego, CA$26M40th of 2380.5%+1.1 pts
Dupage, IL$21M22nd of 1881.1%quiet FY2020
Arapahoe, CO$19M24th of 1661.2%+2.3 pts
Wake, NC$17M28th of 1811.0%-1.3 pts
Philadelphia, PA$17M19th of 1471.3%+1.1 pts
Jefferson, CO$16M25th of 1831.1%-2.6 pts
Boulder, CO$15M13th of 1441.8%quiet FY2022
Orange, CA$15M73rd of 2560.2%+0.0 pts
Dallas, TX$15M74th of 3140.3%+0.4 pts
498 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services410$306M20.1%0.40%61st of 2,596
Other services350$257M16.9%0.73%29th of 2,248
Health care & social assistance229$224M14.7%0.47%42nd of 2,172
Retail trade156$157M10.3%0.26%73rd of 2,589
Real estate & leasing69$108M7.1%0.88%17th of 1,452
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Bcorp Bank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans TB The Bancorp Bank National Associa… 0.4% $169M · 227 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bcorp Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen254%6th of 6207%
Construction against capital, the 100% screen2%1st of 635%
Construction and land development, share of loans0.3%1st of 65.8%
Non-owner-occupied nonfarm nonresidential, share of loans1.8%2nd of 68.8%
Total CRE, the guidance definition, share of loans33.6%6th of 628.1%
CRE growth over 36 months, the third prong+11.3%3rd of 6+12.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bcorp Bank National Association$9.21B2.9%41.3%1.33%1.57%0.9%96.0%9.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Dacotah Bank$4.92B1.1%62.2%1.52%0.22%1.2%93.9%9.8%
First Bank & Trust$4.78B1.3%60.1%0.42%0.02%1.3%85.7%11.3%
First Premier Bank$3.64B1.8%57.6%0.10%0.19%1.4%73.8%13.5%
First Dakota National Bank$3.39B1.7%54.5%0.30%0.00%1.1%97.0%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bcorp Bank National AssociationCohort median
20212026Change20212026Change
Loans$4.68B$7.19B+54%$2.51B$3.83B+53%
Deposits$5.77B$7.49B+30%$3.13B$4.26B+36%
NPA / loans0.67%1.33%+0.66 pts0.54%0.87%+0.33 pts
Efficiency50.9%41.3%-9.6 pts56.2%58.0%+1.8 pts
ROA1.78%2.86%+1.08 pts1.61%1.72%+0.10 pts

This read was prepared for Bcorp Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bcorp Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort SD banks $3B to $10B
Institution www.thebancorp.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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