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Plains Commerce Bank


ACH Number: 91400554

Plains Commerce Bank is an FDIC insured institution headquartered at 3905 W 49th St, Sioux Falls, SD 57106.
It was founded in 1931 and has approximately $1 billion in assets. Customers can open an account at one of its 9 branches.

Deposit Rates - January 05, 2026

SAVINGS RATES APY MIN
Savings
0.07% $1 Compare
CD RATES APY MIN
6 Mo CD
0.40% $1,000 Compare
12 Mo CD
0.50% $1,000 Compare
18 Mo CD
0.50% $1,000 Compare
24 Mo CD
0.80% $1,000 Compare
30 Mo CD
0.80% $1,000 Compare
36 Mo CD
0.85% $1,000 Compare
48 Mo CD
1.05% $1,000 Compare
60 Mo CD
1.20% $1,000 Compare
MM RATES APY MIN
Money Market
0.10% $1 Compare
FIXED IRA RATES APY MIN
Fixed IRA
0.50% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1678
Date Established 1931
Assets $ 1,252.72 million
Loans $ 1,017.40 million
Deposits $ 1,016.08 million
Capital $ 133.71 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 55.36 million
Interest-bearing balances $ 41.99 million
Total securities $ 81.34 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,017.40 million
Loan loss allowance $ 10.52 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.44 million
Goodwill and other intangibles $ 33.16 million
All other assets $ 30.55 million
     Total Assets $ 1,119.02 million

LIABILITIES
Total deposits $ 1,016.08 million
      Interest-bearing deposits $ 846.54 million
      Deposits held in domestic offices $ 1,016.08 million
      % insured (estimated)" 71.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 9.44 millionn
      Total Liabilities $ 1,119.02 million
      Shareholders’ Equity $ 133.71 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 35.46 million
Total Interest Expense $ 16.92 million
Net interest income $ 18.54 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 34.19 million
Total non interest expense $ 47.44 million
Pre-tax Net Operating Income $ 0.16 million

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Branches

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Plains Commerce Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Plains Commerce Bank
    Bank
    SOUTH DAKOTA
    $50,000
    N.A.
    0.07%
    0.31x (National Avg. - 0.23%)
    $1
    -
    SCENARIO
    Year Rate
    0.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 35 25
    2 50,035 35 25
    3 50,070 35 25
    4 50,105 35 25
    5 50,140 35 25
    6 50,175 35 25
    7 50,210 35 25
    8 50,246 35 25
    9 50,281 35 25
    10 50,316 35 25
    11 50,351 35 25
    12 50,386 35 25
    13 50,422 35 25
    14 50,457 35 25
    15 50,492 35 25
    16 50,528 35 25
    17 50,563 35 25
    18 50,598 35 25
    19 50,634 35 25
    20 50,669 35 25
    TOTAL $705 $493
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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