Reliabank Dakota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Reliabank Dakota of Estelline, SD against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.48% | 1.25% | +0.23% | 61st above |
| ROAE | 18.72% | 12.22% | +6.50% | 82nd top |
| Net Interest Margin | 3.34% | 3.95% | -0.61% | 21st bottom |
| Efficiency Ratio | 55.06% | 63.71% | -8.65% | 69th above |
| PPNR / Avg Assets | 1.56% | — | — | 48th below |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 2.18% | 1.87% | +0.31% | 27th below |
| Net Interest Spread | 2.71% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.88% | -0.62% | 60th above |
| NPA / Total Assets | 0.18% | — | — | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 24th bottom |
| ACL / Total Loans | 0.82% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 311.07% | — | — | 60th above |
| Texas Ratio | 2.03% | 5.96% | -3.93% | 57th above |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.06% | 17.18% | -3.12% | 39th below |
| Tier 1 Ratio | 14.06% | 17.21% | -3.15% | 39th below |
| Total Capital Ratio | 14.82% | — | — | 36th below |
| Leverage Ratio | 10.49% | 11.75% | -1.26% | 41st below |
| Equity / Assets | 8.18% | 10.98% | -2.80% | 15th bottom |
| TCE / Tangible Assets | 8.14% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.79% | 80.44% | -0.65% | 52nd above |
| Core Deposit Ratio | 90.61% | 86.95% | +3.66% | 58th above |
| Wholesale Funding Ratio | 6.98% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.46% | — | — | 64th above |
| Loan Growth (Y/Y) | 11.90% | — | — | 79th top |
| Deposit Growth (Y/Y) | 7.57% | — | — | 73rd above |
See Reliabank Dakota's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Reliabank Dakota, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Reliabank Dakota profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Reliabank Dakota peer analysis.