State Hub
Banks in South Dakota
All FDIC-insured banks headquartered in South Dakota
Every FDIC-insured commercial bank headquartered in South Dakota, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. Click any bank for the full performance profile.
South Dakota is home to 59 FDIC-insured banks headquartered in the state, with $3.85T in combined assets and $3.07T in deposits. The largest is Citibank, N.A. ($1.93T) — about 50% of the group's total banking assets , followed by Wells Fargo Bank, N.A. and Bancorp Bank N.A., the . Across these banks, the asset-weighted return on assets is 1.18% and the median CET1 capital ratio is 15.25% .
Banks
59
Total Assets
$3.85T
Total Deposits
$3.07T
Avg ROA
1.18%
Median CET1
15.25%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| CITIBANK, N.A. | SIOUX FALLS , SD | $1.93T | 1.04% | 2.91% | 51.0% | 14.95% | 0.58% | 4.0% |
| WELLS FARGO BANK, NATIONAL ASSOCIATION | SIOUX FALLS , SD | $1.85T | 1.31% | 3.09% | 56.4% | 12.58% | 1.16% | 9.2% |
| BANCORP BANK NATIONAL ASSOCIATION, THE | SIOUX FALLS , SD | $9.90B | 2.92% | 5.38% | 40.8% | 14.06% | 1.04% | 16.9% |
| PATHWARD, NATIONAL ASSOCIATION | SIOUX FALLS , SD | $7.11B | 3.48% | 6.58% | 51.4% | 13.24% | 2.03% | 19.0% |
| FIRST BANK & TRUST | BROOKINGS , SD | $4.87B | 1.31% | 3.63% | 60.0% | — | 0.42% | 4.5% |
| DACOTAH BANK | ABERDEEN , SD | $4.87B | 1.12% | 4.01% | 63.1% | 11.32% | 1.22% | 9.6% |
| FIRST PREMIER BANK | SIOUX FALLS , SD | $3.55B | 1.74% | 3.49% | 57.3% | 20.11% | 0.11% | 0.6% |
| FIRST DAKOTA NATIONAL BANK | YANKTON , SD | $3.30B | 1.48% | 3.79% | 57.3% | 11.04% | 0.37% | 3.2% |
| SUNRISE BANKS, NATIONAL ASSOCIATION | SIOUX FALLS , SD | $2.73B | 0.25% | 4.29% | 91.6% | — | 0.97% | 7.0% |
| AMERICAN BANK & TRUST | SIOUX FALLS , SD | $2.24B | 1.24% | 3.72% | 55.1% | 15.30% | 0.51% | 3.8% |
| FIRST NATIONAL BANK IN SIOUX FALLS, THE | SIOUX FALLS , SD | $2.11B | 1.05% | 3.35% | 64.4% | 13.99% | 0.24% | 3.0% |
| FIRST NATIONAL BANK | FORT PIERRE , SD | $2.05B | 2.51% | 7.17% | 44.1% | 23.95% | 0.96% | 3.2% |
| BANKWEST, INCORPORATED | PIERRE , SD | $1.92B | 0.63% | 3.81% | 79.4% | 10.66% | 1.46% | 19.7% |
| FIRST SAVINGS BANK | BERESFORD , SD | $1.59B | 2.56% | 7.76% | 41.8% | 23.22% | 1.04% | 3.4% |
| CORTRUST BANK NATIONAL ASSOCIATION | MITCHELL , SD | $1.58B | 0.27% | 3.66% | 81.8% | 13.42% | 0.88% | 7.1% |
| PLAINS COMMERCE BANK | SIOUX FALLS , SD | $1.35B | 1.66% | 3.51% | 82.4% | — | 2.10% | 18.5% |
| 1ST FINANCIAL BANK USA | DAKOTA DUNES , SD | $1.33B | 1.05% | 9.37% | 71.7% | 21.27% | 2.15% | 13.2% |
| ANCHORAGE DIGITAL BANK NATIONAL ASSOCIATION | SIOUX FALLS , SD | $1.14B | 2.87% | 3.51% | 61.3% | — | — | 0.0% |
| PIONEER BANK & TRUST | BELLE FOURCHE , SD | $985.9M | 1.61% | 3.87% | 51.0% | 18.19% | 0.00% | 0.1% |
| RELIABANK DAKOTA | ESTELLINE , SD | $757.8M | 1.22% | 3.23% | 61.4% | 14.03% | 0.27% | 2.2% |
| FIRST FIDELITY BANK | BURKE , SD | $702.2M | 1.62% | 4.44% | 56.1% | 13.28% | 0.13% | 1.0% |
| SECURITY SAVINGS BANK | CANTON , SD | $549.6M | 0.90% | 3.30% | 69.4% | 10.67% | 0.10% | 0.7% |
| BLACK HILLS COMMUNITY BANK, NATIONAL ASSOCIATION | RAPID CITY , SD | $495.9M | 1.73% | 3.70% | 53.7% | — | 0.00% | 0.0% |
| FIRST NATIONAL BANK | OLDHAM , SD | $484.3M | 2.22% | 7.62% | 44.7% | 20.31% | 2.60% | 9.5% |
| FIRST NATIONAL BANK IN PHILIP | PHILIP , SD | $465.7M | 2.33% | 3.51% | 31.8% | 15.70% | 0.00% | 0.0% |
| ONE AMERICAN BANK | CENTERVILLE , SD | $360.3M | -1.92% | 0.90% | 238.7% | 15.25% | 0.07% | 6.7% |
| BANKSTAR FINANCIAL | ELKTON , SD | $357.8M | 1.24% | 3.76% | 60.9% | 11.76% | 0.56% | 4.6% |
| RIVERS EDGE BANK | MARION , SD | $346.3M | 1.21% | 3.98% | 50.4% | 10.15% | 0.15% | 1.3% |
| FRONTIER BANK | SIOUX FALLS , SD | $344.8M | 0.35% | 3.01% | 79.1% | 11.15% | 0.28% | 2.6% |
| SECURITY BANK MIDWEST | TYNDALL , SD | $321.9M | 0.94% | 3.54% | 70.4% | — | 0.68% | 6.9% |
| COMMERCIAL STATE BANK OF WAGNER | WAGNER , SD | $263.0M | 2.67% | 4.49% | 54.0% | — | 2.53% | 13.4% |
| FARMERS STATE BANK | PARKSTON , SD | $258.9M | 0.79% | 3.09% | 69.6% | — | 0.00% | 0.0% |
| SECURITY NATIONAL BANK OF SOUTH DAKOTA | DAKOTA DUNES , SD | $253.2M | 2.45% | 2.93% | 41.5% | — | 0.00% | 0.0% |
| CAMPBELL COUNTY BANK | HERREID , SD | $247.1M | 2.09% | 4.57% | 49.1% | — | 0.92% | 5.8% |
| QUOIN FINANCIAL BANK | MILLER , SD | $244.8M | 1.03% | 4.86% | 61.4% | 12.45% | 0.22% | 1.7% |
| MERCHANTS STATE BANK | FREEMAN , SD | $217.6M | 1.61% | 4.48% | 48.9% | — | 0.33% | 1.4% |
| U.S. BANK TRUST NATIONAL ASSOCIATION SD | SIOUX FALLS , SD | $189.9M | 7.99% | 3.76% | 18.2% | 475.17% | — | 0.0% |
| FARMERS AND MERCHANTS STATE BANK | PLANKINTON , SD | $172.9M | 2.57% | 4.76% | 40.1% | 12.00% | 0.64% | 7.9% |
| HEARTLAND STATE BANK | REDFIELD , SD | $156.0M | 2.24% | 5.11% | 56.4% | 10.86% | 0.00% | 0.0% |
| CITIZENS STATE BANK OF ARLINGTON | ARLINGTON , SD | $155.1M | 0.95% | 2.81% | 63.1% | — | 0.00% | 0.0% |
| FIRST STATE BANK OF ROSCOE | ROSCOE , SD | $152.3M | 1.57% | 3.42% | 49.6% | 23.97% | 0.13% | 0.5% |
| GREAT PLAINS BANK | EUREKA , SD | $151.3M | 2.41% | 4.34% | 40.8% | — | 0.16% | 0.6% |
| DNB NATIONAL BANK | CLEAR LAKE , SD | $119.6M | 2.09% | 3.19% | 52.4% | 22.77% | 0.00% | 0.0% |
| SECURITY STATE BANK | ALEXANDRIA , SD | $99.9M | 0.99% | 3.93% | 70.8% | 13.45% | 0.67% | 4.4% |
| WESTERN DAKOTA BANK | TIMBER LAKE , SD | $89.2M | 0.90% | 3.02% | 66.8% | — | 0.00% | 0.0% |
| STATE BANK OF EAGLE BUTTE | EAGLE BUTTE , SD | $81.5M | 1.37% | 5.74% | 75.3% | 23.73% | 0.13% | 0.5% |
| FARMERS STATE BANK OF CANTON | CANTON , SD | $81.4M | 0.48% | 3.00% | 81.6% | 15.32% | 0.00% | 0.0% |
| IPSWICH STATE BANK | IPSWICH , SD | $70.9M | 1.63% | 3.60% | 48.5% | 27.66% | 0.00% | 0.0% |
| COMMUNITY BANK | AVON , SD | $70.6M | 0.90% | 3.61% | 69.3% | — | 0.14% | 4.0% |
| FIRST WESTERN FEDERAL SAVINGS BANK | RAPID CITY , SD | $65.5M | 2.14% | 4.77% | 54.7% | — | 0.00% | 0.0% |
| SUNRISE BANK DAKOTA | ONIDA , SD | $61.9M | 0.82% | 3.01% | 69.5% | — | 3.17% | 9.4% |
| SECURITY STATE BANK, THE | EMERY , SD | $61.8M | 2.04% | 4.41% | 36.5% | 41.05% | 0.00% | 0.0% |
| BRYANT STATE BANK | BRYANT , SD | $55.3M | 1.70% | 6.57% | 56.7% | 18.53% | 0.38% | 1.5% |
| RICHLAND STATE BANK | BRUCE , SD | $46.2M | 1.44% | 2.68% | 76.1% | 23.44% | 0.00% | 0.8% |
| FARMERS STATE BANK OF TURTON, THE | TURTON , SD | $40.2M | -0.14% | 3.45% | 103.6% | 19.78% | 2.51% | 11.0% |
| FARMERS AND MERCHANTS STATE BANK, THE | SCOTLAND , SD | $36.1M | 1.31% | 4.27% | 61.9% | — | 0.00% | 0.4% |
| FIRST NATIONAL BANK OF FREDERICK, THE | FREDERICK , SD | $28.6M | 0.19% | 2.38% | 92.0% | — | 0.00% | 0.0% |
| ANDES STATE BANK | LAKE ANDES , SD | $25.6M | 1.15% | 4.44% | 61.7% | 31.17% | 1.49% | 3.8% |
| Farmers State Bank | Hosmer , SD | $20.9M | 2.78% | 4.92% | 53.1% | — | 0.00% | 0.0% |
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South Dakota bank rankings
See South Dakota banks ranked by the metrics that matter — size, profitability, capital, asset quality, and funding.
Largest South Dakota banks by assets Largest by deposits Highest ROA (return on assets) Highest ROE (return on equity) Highest net interest margin Highest CET1 capital ratio Highest leverage ratio Lowest Texas Ratio (safest) Highest Texas Ratio (riskiest) Highest uninsured-deposit ratio Highest loan-to-deposit ratio Most efficient (lowest efficiency ratio)
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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