Dacotah Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 6.2% from Q1 2026 to Q2 2026, ending at -$23.4M against -$22.0M. It was the largest change among the key lines on this page. Dacotah Bank has the 4th lowest CET1 ratio of the 36 banks headquartered in South Dakota, at 11.27% as of Q2 2026. Dacotah Bank reported 11.27% on CET1 ratio for Q2 2026, 2.21 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.37% |
| Tier 1 leverage ratio | 10.07% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $495.0M |
| Tier 1 capital | $495.0M |
| Total risk-based capital | $543.4M |
| Total equity capital | $481.0M |
| Risk-weighted assets | $4.39B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.77% |
| Tangible equity to tangible assets | 9.60% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 10.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.8M |
| Common stock surplus | $82.1M |
| Retained earnings | $411.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.00% | 12.00% | 13.14% | 10.35% | $3.33B |
| Q4 2023 | 11.85% | 11.85% | 12.96% | 9.93% | $3.44B |
| Q1 2024 | 11.77% | 11.77% | 12.88% | 9.81% | $3.47B |
| Q2 2024 | 11.15% | 11.15% | 12.20% | 9.84% | $3.73B |
| Q3 2024 | 11.14% | 11.14% | 12.20% | 9.73% | $3.80B |
| Q4 2024 | 11.10% | 11.10% | 12.12% | 9.75% | $3.91B |
| Q1 2025 | 11.33% | 11.33% | 12.34% | 9.68% | $3.91B |
| Q2 2025 | 11.21% | 11.21% | 12.20% | 9.93% | $4.06B |
| Q3 2025 | 11.14% | 11.14% | 12.14% | 9.89% | $4.15B |
| Q4 2025 | 11.19% | 11.19% | 12.23% | 9.76% | $4.22B |
| Q1 2026 | 11.32% | 11.32% | 12.43% | 9.84% | $4.26B |
| Q2 2026 | 11.27% | 11.27% | 12.37% | 10.07% | $4.39B |
Dacotah Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dacotah Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dacotah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17437) · FFIEC NIC profile (RSSD 256553)