Yes, Black Hills Community Bank, N.A. is fully insured by the Federal Deposit Insurance Corporation (FDIC). Operating under an official national bank charter and regulated by the Office of the Comptroller of the Currency, customer deposits deposited with the institution are protected up to the statutory limits mandated by federal law, which is standardly two hundred fifty thousand dollars per depositor, per ownership category. This federal backing ensures that personal checking, savings, and certificate of deposit accounts remain completely secure against bank failure.