STATE BANK OF LAKOTA

LAKOTA, ND | Micro | Est. Jan. 1, 1900, midnight | FDIC #16477 | RSSD #678258 | FDIC
Latest Report: 2025-12-31

STATE BANK OF LAKOTA is amn micro FDIC-insured commercial bank headquartered in LAKOTA, ND, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $67M and total deposits of $61M. Profitability stands at 1.45% ROA and 16.11% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 14.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.78%. FDIC Certificate #16477.

Assets

$67M

Deposits

$61M

Loans

$40M

Equity

$6M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 16.11%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.48%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.78%
NPA Ratio 0.08%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 14.18%
Tier 1 Capital 14.18%
Total Capital Ratio 15.06%
Leverage Ratio 9.27%
Loan-to-Deposit 66.36%

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