Bank · FDIC insured
Plains Commerce Bank
A $1.3B bank headquartered in Sioux Falls, SD, with 8 branches in South Dakota. Best rates: CDs 3.78% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.78%CD rates →
- Savings—4.07%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Plains Commerce Bank
Plains Commerce Bank is a community bank with over 90 years of operation, serving customers through branches in South Dakota.
- Headquarters
- 3905 W 49th St, Sioux Falls, SD 57106
- FDIC certificate
- 1678 ↗
Branches
8 branches in South Dakota
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South Dakota
8 branches
Sioux Falls area · 3
- Plains Commerce BankMain office3905 W 49th St, Sioux Falls, SD 57106Directions
- Plains Commerce Bank1411 E 10th St, Sioux Falls, SD 57103Directions
- Sioux Falls - E. 57th Branch4700 E 57th St, Sioux Falls, SD 57108Directions
Aberdeen area · 1
- Aberdeen Branch524 S Dakota St, Aberdeen, SD 57401Directions
Conde area · 1
- Conde Branch280 Broadway St Ne, Conde, SD 57434Directions
Hoven area · 1
- Hoven Branch220 Main St, Hoven, SD 57450Directions
Mitchell area · 1
- Mitchell Branch900 S Burr Street, Mitchell, SD 57301Directions
Watertown area · 1
- Watertown Branch109 1st Ave Se, Watertown, SD 57201Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.03% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.22% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.34% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalLeverage ratio10.03%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.22%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.34%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Plains Commerce Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.