State Bank of Lakota
Lakota, ND · Cert 16477 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lakota Bank Holding Co. Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$64.2MAssets
$38.9MLoans
$57.6MDeposits
$6.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 60% of banks under $1B in assets operating in a single state (rank 296 of 746).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets operating in a single state (rank 672 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.86%
Rank 479 of 746
Net Interest Margin
3.62%
Rank 393 of 746
Efficiency Ratio
63.74%
Rank 355 of 746
Equity / Assets
9.75%
Rank 460 of 746
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 53% 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 | 0.86% | 0.72% | 1.06% | 1.45% | Beats 36% | 479 / 746 | |
| Return on Equity | 8.84% | 6.74% | 10.51% | 13.63% | Beats 39% | 454 / 746 | |
| Net Interest Margin | 3.62% | 3.17% | 3.68% | 4.16% | Beats 47% | 393 / 746 | |
| Efficiency Ratio | 63.74% | 55.74% | 64.58% | 75.47% | Beats 53% | 355 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.07% | Beats 46% | 399 / 743 | |
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.01% | 0.05% | Beats 10% | 672 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.66% | 11.55% | 13.75% | 17.60% | Beats 58% | 316 / 746 | |
| Total Risk-Based Capital Ratio | 15.66% | 11.71% | 14.33% | 18.43% | Beats 60% | 296 / 746 | |
| Equity / Assets | 9.75% | 8.90% | 10.51% | 13.06% | Beats 38% | 460 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 67.58% | 61.31% | 78.27% | 90.78% | 33rd pctl | 503 / 746 | |
| Loans / Assets | 60.61% | 53.60% | 66.97% | 76.08% | 36th pctl | 475 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |