Bank Comparison
Dacotah Bank vs Bank of Stockton
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Dacotah Bank | Bank of Stockton |
|---|---|---|
| CET1 Ratio | 11.32% | 18.02% |
| Tier 1 Capital Ratio | 11.32% | 18.02% |
| Total Capital Ratio | 12.43% | 19.27% |
| Tier 1 Leverage Ratio | 9.84% | 18.55% |
| Equity / Assets | 9.65% | 18.57% |
Profitability
| Metric | Dacotah Bank | Bank of Stockton |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 4.57% |
| Return on Equity (ROE) | 11.77% | 24.72% |
| Net Interest Margin (NIM) | 4.01% | 3.53% |
| Yield on Earning Assets | 5.77% | 4.63% |
| Cost of Funds | 1.89% | 1.35% |
Asset quality
| Metric | Dacotah Bank | Bank of Stockton |
|---|---|---|
| Texas Ratio | 9.57% | 0.22% |
| Non-Performing Loan Ratio | 1.22% | 0.09% |
| Non-Performing Asset Ratio | 1.00% | 0.04% |
| Net Charge-Off Ratio | 0.02% | 0.10% |
| ACL / Loans | 1.18% | 3.22% |
Balance sheet
| Metric | Dacotah Bank | Bank of Stockton |
|---|---|---|
| Total Assets | $4,867M | $4,834M |
| Total Deposits | $4,352M | $3,754M |
| Total Loans | $3,967M | $2,456M |
| Total Equity | $469,536K | $897,924K |
| Net Income (quarter) | $13,703K | $54,934K |
Liquidity & funding
| Metric | Dacotah Bank | Bank of Stockton |
|---|---|---|
| Loan-to-Deposit Ratio | 91.17% | 65.41% |
| Core Deposit Ratio | 92.85% | 93.57% |
| Uninsured Deposit Ratio | 31.69% | 44.22% |
Identity
| Metric | Dacotah Bank | Bank of Stockton |
|---|---|---|
| Headquarters City | ABERDEEN | STOCKTON |
| Headquarters State | SD | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 32 | 21 |
| Employees (FTE) | 611 | 409 |
| Established | April 30, 1955, midnight | Aug. 12, 1867, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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