Reliabank Dakota: 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.
Reserve coverage of non-performing loans dropped 6.08 percentage points in Q2 2026, from 317.15% to 311.07%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Reliabank Dakota is 27th of 56 on return on assets, 1.48% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Reliabank Dakota sits 0.22 points higher, at 1.48% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.06% |
| Tier 1 risk-based capital ratio | 14.06% |
| Total risk-based capital ratio | 14.82% |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 8.18% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.03% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 311.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 18.72% |
| Net interest margin | 3.34% |
| Efficiency ratio | 55.06% |
| Yield on earning assets | 5.35% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.79% |
| Core deposits to total deposits | 90.61% |
| Brokered deposits to total deposits | 3.01% |
| Deposits to assets | 84.17% |
| Securities to assets | 27.56% |
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 | 11.70% | 11.70% | 12.51% | 7.96% | 0.48% |
| Q4 2023 | 12.22% | 12.22% | 13.06% | 8.37% | 0.64% |
| Q1 2024 | 12.74% | 12.74% | 13.64% | 8.47% | 0.22% |
| Q2 2024 | 13.08% | 13.08% | 13.99% | 8.77% | 0.48% |
| Q3 2024 | 12.85% | 12.85% | 13.74% | 8.85% | 0.43% |
| Q4 2024 | 13.47% | 13.47% | 14.38% | 8.95% | 0.74% |
| Q1 2025 | 13.79% | 13.79% | 14.71% | 9.36% | 0.52% |
| Q2 2025 | 14.17% | 14.17% | 15.10% | 9.84% | 0.95% |
| Q3 2025 | 13.86% | 13.86% | 14.75% | 10.10% | 1.08% |
| Q4 2025 | 14.54% | 14.54% | 15.38% | 10.14% | 1.59% |
| Q1 2026 | 14.03% | 14.03% | 14.81% | 10.41% | 1.22% |
| Q2 2026 | 14.06% | 14.06% | 14.82% | 10.49% | 1.48% |
Reliabank Dakota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Reliabank Dakota, 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 Reliabank Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16221) · FFIEC NIC profile (RSSD 108951)