Dakota Dunes, SD · Cert 1673
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
8
Profitability
45
Liquidity
77
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dakota Dunes, SD · Cert 1673
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.3% share · #26 of 28 inst. · $0.0B of $4.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.87% | 2.12% | 1.51% | 1.39% | 1.38% | 1.19% | 1.05% | 0.98% | -41 bps | |
| Return on Equity | 15.99% | 11.97% | 9.04% | 8.27% | 8.18% | 7.08% | 6.22% | 5.90% | -236 bps | |
| Net Interest Margin | 8.78% | 8.77% | 8.56% | 8.67% | 8.53% | 8.39% | 8.13% | 7.80% | -86 bps | |
| Efficiency Ratio | 61.12% | 67.10% | 68.75% | 69.63% | 71.63% | 75.56% | 71.65% | 72.58% | +295 bps | |
| Non-Interest Burden | 3.06% | 4.15% | 4.86% | 5.00% | 5.13% | 5.50% | 4.90% | 4.75% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.21% | 6.08% | 5.52% | 2.99% | 1.27% | 2.96% | -0.85% | 7.39% | +440 bps | |
| Loan Growth (YoY) | 4.67% | 1.08% | 0.34% | 1.25% | 3.41% | 2.67% | 4.06% | 2.91% | +166 bps | |
| Deposit Growth (YoY) | 7.51% | 9.57% | 9.08% | 4.46% | 2.18% | 4.35% | -0.44% | 9.88% | +542 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.61% | 1.56% | 1.40% | 1.29% | 1.19% | 1.51% | 1.36% | 1.51% | +22 bps | |
| Net Charge-Offs / Loans | 2.56% | 2.55% | 2.47% | 2.39% | 2.30% | 2.25% | 2.32% | 2.26% | -12 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.92% | 16.65% | 16.89% | 17.14% | 16.88% | 16.85% | 16.98% | 16.34% | -80 bps | |
| Total Risk-Based Capital | 22.14% | 22.20% | 22.87% | 22.40% | 22.22% | 22.26% | 22.53% | 22.31% | -9 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.31% | 94.26% | 90.70% | 96.41% | 96.46% | 92.74% | 94.80% | 90.29% | -612 bps | |
| Liquid Assets / Assets | 4.59% | 4.59% | 4.50% | 4.63% | 4.57% | 4.49% | 4.56% | 4.33% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Dakota Dunes, SD · Cert 1673 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.95%
Rank 188 of 258
Net Interest Margin
7.80%
Rank 3 of 258
Efficiency Ratio
73.07%
Rank 209 of 257
Equity / Assets
16.23%
Rank 13 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.93% | 1.23% | 1.54% | Beats 27% | 188 / 258 | ||
| Return on Equity | 5.88% | 9.26% | 11.84% | 14.74% | Beats 10% | 232 / 258 | ||
| Net Interest Margin | 7.80% | 3.16% | 3.49% | 3.88% | Beats 99% | 3 / 258 | ||
| Efficiency Ratio | 73.07% | 51.71% | 60.30% | 69.65% | Beats 19% | 209 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.19% | 0.46% | 0.90% | Beats 14% | 224 / 258 | ||
| Net Charge-Offs / Loans | 1.44% | 0.01% | 0.02% | 0.07% | Beats 2% | 255 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.06% | 11.41% | 12.98% | 15.12% | Beats 94% | 16 / 258 | ||
| Total Risk-Based Capital Ratio | 22.31% | 12.10% | 13.91% | 16.08% | Beats 94% | 15 / 258 | ||
| Equity / Assets | 16.23% | 9.09% | 10.24% | 11.72% | Beats 95% | 13 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.29% | 73.24% | 86.34% | 95.95% | 60th pctl | 103 / 258 | ||
| Loans / Assets | 70.30% | 63.01% | 72.27% | 78.40% | 43rd pctl | 148 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||