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 |