State Bank of Lakota
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Lakota is an FDIC-insured commercial bank headquartered in Lakota, ND (FDIC certificate 16477), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $64.2M, little changed from Q2 2025, the 55th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 14.66% 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
- 16477
- Headquarters
- Lakota, ND
- Established
- Not reported
- Total assets, Q2 2026
- $64.2M
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 14.66%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091301064
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Lakota call report
- Holding company
- LAKOTA BANK HOLDING COMPANY, INC.
- Asset rank in state
- 55th of 60 in North Dakota
State Bank of Lakota operates with a thinner capital cushion than most banks of its size. Based in Lakota, North Dakota, it had $64 million in assets at June 30, 2026. It funds 9.58% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%).
Earnings fell sharply: quarterly net income of $117,000 was 33% below a year earlier.
As of June 30, 2026, State Bank of Lakota reported a CET1 capital ratio of 14.66%, a return on assets of 0.71%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 2.86%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, State Bank of Lakota is the 55th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.1% to $64.2M, loans rose 9.6% and deposits fell 3.6%. Agricultural production loans made up 47.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 14.2%. The FDIC Summary of Deposits lists a single office for it, in Lakota, ND. Judged on its Q2 2026 call report, State Bank of Lakota meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 125 Main St N, Lakota, ND 58344
- County
- Nelson
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $57.6M
- Allowance for credit losses
- $398K
- Net charge-offs (YTD)
- $63K
- Average total assets
- $66.3M
- Average total loans
- $37.0M
- Average interest-bearing deposits
- $44.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 16, 1946
- FDIC Cert
- 16477
- Fed RSSD
- 678258
- Website
- www.statebankoflakota.com →
- Parent Holding Company
- LAKOTA BANK HOLDING COMPANY, INC. (RSSD 1124994)
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
From Q3 2023 to Q2 2026, State Bank of Lakota's total assets ranged from $61.0M (Q3 2024) to $73.0M (Q4 2024), 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
$64.2M total assets against $64.2M; $57.9M total liabilities against $58.2M.
$38.5M net loans and leases against $38.0M; $57.6M total deposits against $57.8M.
$15.3M securities against $15.8M; $9.2M cash and balances due against $9.2M.
$800K total interest income against $815K; $192K total interest expense against $235K.
$608K net interest income against $580K.
$26K total noninterest income against $21K; $430K total noninterest expense against $427K.
$87K provision for credit losses against $0.
$117K net income against $174K.
0.71% return on assets against 1.06%; 3.75% net interest margin against 3.64%.
14.66% CET1 capital ratio against 14.60%; 9.58% tier 1 leverage ratio against 9.45%.
Inside the full State Bank of Lakota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q2 2026) to 1.47% (Q4 2025) and its net interest margin ran from 3.51% (Q1 2025) to 3.87% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.66% | 0.71% | 0.49% | 2.86% | 3.75% |
| Q1 2026 | 15.09% | 1.41% | 0.45% | 2.41% | 3.65% |
| Q4 2025 | 14.18% | 1.47% | 0.50% | 3.08% | 3.87% |
| Q3 2025 | 14.37% | 1.41% | 1.25% | 7.38% | 3.77% |
| Q2 2025 | 14.60% | 1.06% | 0.40% | 2.38% | 3.64% |
| Q1 2025 | 14.04% | 1.26% | 0.31% | 1.81% | 3.51% |
| Q4 2024 | 13.48% | 0.88% | 0.23% | 1.45% | 3.67% |
| Q3 2024 | 14.70% | 1.38% | 0.50% | 3.06% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| State Bank of Lakota (main office) | Lakota , ND | 58344 | $57.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in ND, rank 63 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $28K approved, $28K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank of Lakota
What are State Bank of Lakota's total assets?
As of the Q2 2026 filing, State Bank of Lakota reported total assets of $64.2 million in its FFIEC call report.
Where is State Bank of Lakota headquartered?
It is headquartered in Lakota, ND, United States.
Is State Bank of Lakota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Lakota?
State Bank of Lakota's primary federal regulator is the FDIC.
What is State Bank of Lakota's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Lakota operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Lakota's Texas Ratio?
Its Texas Ratio is 2.86% 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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