RELIABANK DAKOTA

ESTELLINE, SD | Medium | Est. Sept. 1, 1920, midnight | FDIC #16221 | RSSD #108951 | FDIC
Latest Report: 2025-12-31

RELIABANK DAKOTA is amn medium FDIC-insured commercial bank headquartered in ESTELLINE, SD, established in Sept. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $772M and total deposits of $636M. Profitability stands at 1.64% ROA and 21.68% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 14.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 2.92%. FDIC Certificate #16221.

Assets

$772M

Deposits

$636M

Loans

$492M

Equity

$60M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 21.68%
Net Interest Margin (NIM) 3.36%
Yield on Assets 5.64%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.92%
NPA Ratio 0.24%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 14.54%
Tier 1 Capital 14.54%
Total Capital Ratio 15.38%
Leverage Ratio 10.14%
Loan-to-Deposit 77.34%

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