Reliabank Dakota
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Data as of · sourced from FFIEC call reports. How we update
Reliabank Dakota is an FDIC-insured commercial bank headquartered in Estelline, SD, established in 1920 (FDIC certificate 16221), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $788.4M, up 6.5% from Q2 2025, the 19th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 14.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16221
- Headquarters
- Estelline, SD
- Established
- 1920
- Total assets, Q2 2026
- $788.4M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 14.06%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 091408035
- Holding company
- BIG SIOUX FINANCIAL, INC.
- Asset rank in state
- 19th of 56 in South Dakota
Reliabank Dakota is one of the more profitable banks of its size. Based in Estelline, South Dakota, it had $788 million in assets at June 30, 2026, up 6.5% from a year earlier. It returns 18.7% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it keeps 3.34 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $2.9 million, 59% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.26% of loans from 0.66%.
As of June 30, 2026, Reliabank Dakota reported a CET1 capital ratio of 14.06%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 2.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Reliabank Dakota is the 19th largest of the 56 banks headquartered in South Dakota. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $788.4M, loans rose 3.5% and deposits rose 4.0%. Commercial and industrial loans made up 20.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 18.2%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in SD; its Watertown 2 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Reliabank Dakota meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 211 Main St N, Estelline, SD 57234
- County
- Hamlin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1920
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $663.6M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $88K
- Average total assets
- $790.2M
- Average total loans
- $517.6M
- Average interest-bearing deposits
- $540.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1945
- FDIC Cert
- 16221
- Fed RSSD
- 108951
- Website
- www.reliabank.com →
- Parent Holding Company
- BIG SIOUX FINANCIAL, INC. (RSSD 1363980)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Reliabank Dakota's total assets ran between $740.6M (Q2 2025) and $810.2M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$788.4M total assets against $740.6M; $723.9M total liabilities against $693.4M.
$525.2M net loans and leases against $468.5M; $663.6M total deposits against $616.9M.
$217.3M securities against $237.2M; $20.3M cash and balances due against $13.2M.
$10.2M total interest income against $9.3M; $3.9M total interest expense against $4.1M.
$6.3M net interest income against $5.2M.
$779K total noninterest income against $898K; $4.0M total noninterest expense against $4.2M.
$0 provision for credit losses against $0.
$2.9M net income against $1.8M.
1.48% return on assets against 0.95%; 3.34% net interest margin against 2.85%.
14.06% CET1 capital ratio against 14.17%; 10.49% tier 1 leverage ratio against 9.84%.
Inside the full Reliabank Dakota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeReliabank Dakota rankings
Its closest position to the top of a national ranking is 1,261 of 4,196, for total assets; its furthest is 2,249 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q3 2024) to 1.59% (Q4 2025) and its net interest margin ran from 2.17% (Q3 2024) to 3.34% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.06% | 1.48% | 0.26% | 2.03% | 3.34% |
| Q1 2026 | 14.03% | 1.22% | 0.27% | 2.16% | 3.23% |
| Q4 2025 | 14.54% | 1.59% | 0.38% | 2.94% | 3.22% |
| Q3 2025 | 13.86% | 1.08% | 0.65% | 5.25% | 2.94% |
| Q2 2025 | 14.17% | 0.95% | 0.66% | 6.02% | 2.85% |
| Q1 2025 | 13.79% | 0.52% | 0.66% | 5.75% | 2.45% |
| Q4 2024 | 13.47% | 0.74% | 0.55% | 5.12% | 2.33% |
| Q3 2024 | 12.85% | 0.43% | 0.59% | 5.21% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Watertown Branch | Watertown , SD | 57201 | $354.4M |
| Tea Branch | Tea , SD | 57064 | $63.0M |
| Reliabank Dakota (main office) | Estelline , SD | 57234 | $56.2M |
| Hartford Branch | Hartford , SD | 57033 | $50.6M |
| Sioux Falls Branch | Sioux Falls , SD | 57108 | $44.4M |
| Hayti Branch | Hayti , SD | 57241 | $36.9M |
| Watertown SW Branch | Watertown , SD | 57201 | $22.6M |
| Humboldt Branch | Humboldt , SD | 57035 | $18.3M |
| Reliabank Dakota - Colton, Sd Branch | Colton , SD | 57018 | $10.2M |
| Hazel Branch | Hazel , SD | 57242 | $7.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1992 | Structure Change | Acquired Hamlin County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 20 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 216 applications, 163 loans originated, $53.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Reliabank Dakota
What are Reliabank Dakota's total assets?
As of the Q2 2026 filing, Reliabank Dakota reported total assets of $788.4 million in its FFIEC call report.
Where is Reliabank Dakota headquartered?
It is headquartered in Estelline, SD, United States.
When was Reliabank Dakota founded?
It was established in 1920, per the FDIC institution directory.
Is Reliabank Dakota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Reliabank Dakota?
Reliabank Dakota's primary federal regulator is the FDIC.
What is Reliabank Dakota's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Reliabank Dakota operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Reliabank Dakota's Texas Ratio?
Its Texas Ratio is 2.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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