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State Bank of Lakota

Lakota, ND · Cert 16477 · Lakota Bank Holding Co. Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$64.2MAssets
$38.9MLoans
$57.6MDeposits
$6.3MEquity
Loan mix
73%RE $14.5M17%C&I $3.4M11%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $42.6M26%Noninterest $14.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.84%, down 3 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.49% of loans (+9 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 9.58%, up 14 bps from a year ago.
  • Funding: loans stand at 67.58% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+18 bps YoY

Efficiency Ratio (YTD, annualized)

63.74%-353 bps YoY

Tier 1 Leverage Ratio

9.58%+14 bps YoY

NIM

4.86%Q2 ’244.89%Q2 ’254.81%Q2 ’26-8%+5%

Non-interest income vs. expense

2.34%Q2 ’242.38%Q2 ’252.43%Q2 ’26+8%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.00%0.91%0.87%0.94%1.00%1.11%0.84%-3 bps
Return on Equity11.99%10.99%10.83%9.97%10.68%11.25%11.94%8.90%-107 bps
Net Interest Margin3.72%3.51%3.39%3.44%3.49%3.53%3.55%3.62%+18 bps
Efficiency Ratio59.07%62.21%63.21%67.27%65.60%64.73%59.65%63.74%-353 bps
Non-Interest Burden2.12%2.12%2.11%2.28%2.25%2.25%2.02%2.24%-4 bps
Growth
Asset Growth (YoY)-13.33%12.42%9.47%2.05%14.21%-8.33%-1.14%-0.04%-209 bps
Loan Growth (YoY)8.80%9.33%3.80%2.29%-4.18%1.76%-4.84%1.49%-81 bps
Deposit Growth (YoY)-15.56%13.07%10.23%2.07%15.73%-9.50%-1.68%-0.44%-252 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.23%0.31%0.40%1.25%0.50%0.45%0.49%+9 bps
Net Charge-Offs / Loans0.12%0.22%0.02%0.02%0.01%0.01%0.21%0.32%+31 bps
Allowance / Loans0.97%0.91%0.97%0.93%0.93%0.89%1.01%1.02%+9 bps
Allowance Coverage of NPLs1.9x4.0x3.2x2.4x0.7x1.8x2.3x2.1x-0.3x
Capital
Tier 1 Leverage Ratio10.21%9.19%9.52%9.45%9.47%9.27%9.47%9.58%+14 bps
Total Risk-Based Capital15.65%14.34%14.93%15.52%15.26%15.06%16.02%15.66%+14 bps
Equity / Assets10.07%8.01%8.88%9.40%8.86%9.18%9.40%9.75%+35 bps
Liquidity & Funding
Loans / Deposits73.98%59.01%61.40%66.30%61.26%66.36%59.42%67.58%+129 bps
Liquid Assets / Assets19.48%16.28%17.74%17.88%16.47%15.66%16.57%17.77%-11 bps
CRE / Total Capitaln/an/an/an/a46.46%46.40%48.15%n/an/a