Dacotah Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 28.85 percentage points lower than in Q1 2026, at 67.93%. Dacotah Bank ranks 38th of 56 South Dakota banks on return on assets, in the lower half at 1.04% (Q2 2026). Dacotah Bank reported 1.04% on return on assets for Q2 2026, 0.23 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.27% |
| Tier 1 risk-based capital ratio | 11.27% |
| Total risk-based capital ratio | 12.37% |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 9.77% |
| Tangible equity to tangible assets | 9.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.72% |
| Non-performing assets ratio | 1.43% |
| Net charge-off ratio | 0.43% |
| Texas ratio | 13.90% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 67.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 10.80% |
| Net interest margin | 4.00% |
| Efficiency ratio | 60.79% |
| Yield on earning assets | 5.78% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.86% |
| Core deposits to total deposits | 92.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.35% |
| Securities to assets | 11.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.00% | 12.00% | 13.14% | 10.35% | 0.65% |
| Q4 2023 | 11.85% | 11.85% | 12.96% | 9.93% | 0.74% |
| Q1 2024 | 11.77% | 11.77% | 12.88% | 9.81% | 0.48% |
| Q2 2024 | 11.15% | 11.15% | 12.20% | 9.84% | 0.62% |
| Q3 2024 | 11.14% | 11.14% | 12.20% | 9.73% | 0.71% |
| Q4 2024 | 11.10% | 11.10% | 12.12% | 9.75% | 0.95% |
| Q1 2025 | 11.33% | 11.33% | 12.34% | 9.68% | 1.13% |
| Q2 2025 | 11.21% | 11.21% | 12.20% | 9.93% | 1.01% |
| Q3 2025 | 11.14% | 11.14% | 12.14% | 9.89% | 1.03% |
| Q4 2025 | 11.19% | 11.19% | 12.23% | 9.76% | 0.86% |
| Q1 2026 | 11.32% | 11.32% | 12.43% | 9.84% | 1.12% |
| Q2 2026 | 11.27% | 11.27% | 12.37% | 10.07% | 1.04% |
Dacotah Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dacotah Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)