Bank Comparison
Reliabank Dakota vs Town & Country Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 18
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Reliabank Dakota | Town & Country Bank |
|---|---|---|
| CET1 Ratio | 14.03% | 19.63% |
| Tier 1 Capital Ratio | 14.03% | 19.63% |
| Total Capital Ratio | 14.81% | 20.88% |
| Tier 1 Leverage Ratio | 10.41% | 12.27% |
| Equity / Assets | 7.95% | 10.46% |
Profitability
| Metric | Reliabank Dakota | Town & Country Bank |
|---|---|---|
| Return on Assets (ROA) | 1.22% | 2.79% |
| Return on Equity (ROE) | 15.94% | 26.74% |
| Net Interest Margin (NIM) | 3.23% | 4.04% |
| Yield on Earning Assets | 5.20% | 5.31% |
| Cost of Funds | 2.15% | 1.41% |
Asset quality
| Metric | Reliabank Dakota | Town & Country Bank |
|---|---|---|
| Texas Ratio | 2.16% | 2.51% |
| Non-Performing Loan Ratio | 0.27% | 0.39% |
| Non-Performing Asset Ratio | 0.18% | 0.27% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.86% | 1.33% |
Balance sheet
| Metric | Reliabank Dakota | Town & Country Bank |
|---|---|---|
| Total Assets | $757,767K | $760,801K |
| Total Deposits | $638,106K | $656,996K |
| Total Loans | $511,601K | $493,551K |
| Total Equity | $60,273K | $79,566K |
| Net Income (quarter) | $2,388K | $5,222K |
Liquidity & funding
| Metric | Reliabank Dakota | Town & Country Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.17% | 75.12% |
| Core Deposit Ratio | 90.38% | 95.45% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Reliabank Dakota | Town & Country Bank |
|---|---|---|
| Headquarters City | ESTELLINE | SALEM |
| Headquarters State | SD | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 10 | 10 |
| Employees (FTE) | 75 | 142 |
| Established | Sept. 1, 1920, midnight | Jan. 1, 1894, 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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