Bank Comparison
Vantage Bank Texas vs Dacotah Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Vantage Bank Texas | Dacotah Bank |
|---|---|---|
| CET1 Ratio | 10.53% | 11.32% |
| Tier 1 Capital Ratio | 10.53% | 11.32% |
| Total Capital Ratio | 11.79% | 12.43% |
| Tier 1 Leverage Ratio | 9.07% | 9.84% |
| Equity / Assets | 8.81% | 9.65% |
Profitability
| Metric | Vantage Bank Texas | Dacotah Bank |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 1.12% |
| Return on Equity (ROE) | 19.15% | 11.77% |
| Net Interest Margin (NIM) | 3.88% | 4.01% |
| Yield on Earning Assets | 5.79% | 5.77% |
| Cost of Funds | 2.05% | 1.89% |
Asset quality
| Metric | Vantage Bank Texas | Dacotah Bank |
|---|---|---|
| Texas Ratio | 10.03% | 9.57% |
| Non-Performing Loan Ratio | 1.17% | 1.22% |
| Non-Performing Asset Ratio | 0.96% | 1.00% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 1.31% | 1.18% |
Balance sheet
| Metric | Vantage Bank Texas | Dacotah Bank |
|---|---|---|
| Total Assets | $4,934M | $4,867M |
| Total Deposits | $4,440M | $4,352M |
| Total Loans | $3,922M | $3,967M |
| Total Equity | $434,653K | $469,536K |
| Net Income (quarter) | $20,612K | $13,703K |
Liquidity & funding
| Metric | Vantage Bank Texas | Dacotah Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.34% | 91.17% |
| Core Deposit Ratio | 86.12% | 92.85% |
| Uninsured Deposit Ratio | 47.10% | 31.69% |
Identity
| Metric | Vantage Bank Texas | Dacotah Bank |
|---|---|---|
| Headquarters City | SAN ANTONIO | ABERDEEN |
| Headquarters State | TX | SD |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 23 | 32 |
| Employees (FTE) | 510 | 611 |
| Established | Nov. 6, 1923, midnight | April 30, 1955, 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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