Reliabank Dakota
Estelline, SD · Cert 16221 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Big Sioux Financial Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$788.4MAssets
$529.5MLoans
$663.6MDeposits
$64.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 76% of banks under $1B in assets operating in a single state (rank 181 of 746).
- Widest gap: equity / assets trails 85% of banks under $1B in assets operating in a single state (rank 632 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.12%
Rank 339 of 746
Net Interest Margin
3.11%
Rank 578 of 746
Efficiency Ratio
58.91%
Rank 261 of 746
Equity / Assets
8.18%
Rank 632 of 746
Non-interest income vs. expense
Unfavorable gap of $13.3M · efficiency ratio beats 65% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 55% | 339 / 746 | |
| Return on Equity | 13.71% | 6.74% | 10.51% | 13.63% | Beats 76% | 181 / 746 | |
| Net Interest Margin | 3.11% | 3.17% | 3.68% | 4.16% | Beats 23% | 578 / 746 | |
| Efficiency Ratio | 58.91% | 55.74% | 64.58% | 75.47% | Beats 65% | 261 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 62% | 288 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 518 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.06% | 11.55% | 13.75% | 17.60% | Beats 53% | 352 / 746 | |
| Total Risk-Based Capital Ratio | 14.82% | 11.71% | 14.33% | 18.43% | Beats 54% | 343 / 746 | |
| Equity / Assets | 8.18% | 8.90% | 10.51% | 13.06% | Beats 15% | 632 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 79.79% | 61.31% | 78.27% | 90.78% | 53rd pctl | 349 / 746 | |
| Loans / Assets | 67.16% | 53.60% | 66.97% | 76.08% | 51st pctl | 368 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |