No stored Google rating available.
Community bank headquartered in South Dakota offering personal, business, agricultural, and mortgage banking services across multiple locations.
Data compiled from public sources
Plains Commerce Bank is a regional community bank with Midwestern roots and a presence in South Dakota. The bank emphasizes relationship-based banking and local market knowledge, positioning itself as a reported community partner rather than a large national institution. The bank offers a comprehensive range of financial services including personal checking and savings accounts (Plains+, Free Checking, Choice Checking, Teen+ Checking), personal loans, home equity lines of credit, credit cards, and debit cards.
They provide mortgage services including construction loans, bridge loans, and first-time homebuyer programs. Business banking services include commercial checking, business loans, and credit card solutions. Agricultural banking customers have access to listed ag checking, ag savings, and ag loans.
Additionally, Plains Commerce offers trust and wealth management services including personal trust services, investment management, farm management, and financial planning. Plains Commerce differentiates itself through community involvement and relationship-focused banking. The bank emphasizes that bankers are active in the community "around town," not just at branch locations.
They offer digital conveniences like mobile banking, mobile deposit, and online essentials alongside traditional in-person banking. Their product suite includes some listed offerings like the Sprout Savings Account for youth, Transfer the Cents (likely a round-up savings feature), and CardHub digital debit card services. As a regional community bank, Plains Commerce serves customers who value local relationships and personalized service over large national banks.
However, their geographic footprint appears limited to South Dakota based on available information, which may restrict access for customers outside that region. The bank appears stable and well-established with a focus on traditional banking relationships rather than fintech innovation.
This is state-level context for Banks consumers in Sioux Falls, SD. It does not confirm that Plains Commerce Bank or this specific location is licensed.
State regulator
South Dakota Division of Banking
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Plains Commerce Bank processed 14,063 mortgage applications in 2023, with 96.2% recorded as approved across 50 states.
14,063
Applications
96.2%
Approval Rate
$324K
Avg Loan
50
States Served
Based on 14,063 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Plains Commerce Bank offers 12 services including Personal checking accounts (Plains+, Free Checking, Choice Checking, Teen+ Checking), Personal savings accounts and money market accounts, Certificates of Deposit with special rates, Personal loans and home equity lines of credit, Credit cards and debit cards including digital debit card options, and 7 more.
Plains Commerce Bank has profile signals associated with South Dakota residents and businesses seeking personalized relationship-based banking with local decision-making, Agricultural customers needing listed farming and ranch financial services, Homebuyers in South Dakota interested in first-time buyer programs and mortgage guidance, Families and small business owners who prefer community banking over large national institutions.
Key strengths: Offers listed agricultural banking services with dedicated ag loans, ag checking, and ag savings accounts; Comprehensive mortgage services including construction loans, bridge loans, and South Dakota first-time homebuyer programs; Teen+ checking account option designed specifically for younger customers. Areas to consider: Geographic limitation to South Dakota based on available information, restricting accessibility for out-of-state customers; No mention of rates, fees, minimum balances, or APR details on the website content reviewed.
In the Banks category, comparable providers include American Bank & Trust, Andes State Bank, Bankstar Financial. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Plains Commerce Bank is profile signals for South Dakota residents and agricultural customers seeking relationship-based community banking with personalized service and local decision-making. The primary caveat is geographic limitation to South Dakota and lack of listed rate/fee information online, making it important for prospective customers to contact the bank directly for specific product details and availability.
Regional bank with locations across South Dakota offering personal banking, mortgages, business services, and wealth management through multiple service lines.
Profile signals: South Dakota-based small business owners seeking local relationship banking and agricultural lending, Homebuilders and construction borrowers needing listed construction loan products with local experience context
Andes State Bank is a traditional community bank offering checking, savings, loans, and digital banking services with local branch presence and personalized customer service.
Profile signals: Local community members seeking personalized banking relationships and branch access, Customers needing multiple loan products (auto, home, personal) from a single institution
BankStar Financial is a locally-owned community bank operating three branches in South Dakota (Brookings, Elkton, Volga) offering checking, savings, CDs, and cash management services.
Profile signals: South Dakota residents in Brookings, Elkton, or Volga areas seeking community bank relationships, Small business owners needing local banking with cash management services
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