Sunrise Bank Dakota
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Data as of · sourced from FFIEC call reports. How we update
Sunrise Bank Dakota is an FDIC-insured commercial bank headquartered in Onida, SD, established in 1925 (FDIC certificate 15847), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $57.5M, down 6.2% from Q2 2025, the 50th largest of 56 banks headquartered in South Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15847
- Headquarters
- Onida, SD
- Established
- 1925
- Total assets, Q2 2026
- $57.5M
- Assets vs Q2 2025
- -6.2%
- Tier 1 leverage ratio, Q2 2026
- 12.98%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091408394
- Latest call report
- Q2 2026, FFIEC 051 · Sunrise Bank Dakota call report
- Holding company
- ADINO COMPANY, THE
- Asset rank in state
- 50th of 56 in South Dakota
Sunrise Bank Dakota, based in Onida, South Dakota, reported $58 million in assets at June 30, 2026, down 6.2% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also shrank its loan book 11.4% over the year, lower than about 9 in 10 banks its size (median 2.6%).
The balance sheet shrank over the year: over the year loans fell 11.4% and deposits fell 7.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $816,000 equal 10% of Tier 1 capital, down from 16% a year earlier. Its margin is thin by comparison: it keeps 2.92 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Sunrise Bank Dakota reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sunrise Bank Dakota is the 50th largest of the 56 banks headquartered in South Dakota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.1% to $57.5M, loans fell 2.0% and deposits fell 8.6%. Its loan book on June 30, 2026 was led by agricultural production loans, at 33.3% of total loans, followed by farmland and other real estate loans at 21.1%. Its one office in the FDIC Summary of Deposits is in Onida, SD. By the capital ratios in its Q2 2026 call report, Sunrise Bank Dakota meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, Onida, SD 57564
- County
- Sully
- 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
- January 1, 1925
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $49.7M
- Allowance for credit losses
- $454K
- Net charge-offs (YTD)
- $0
- Average total assets
- $60.8M
- Average total loans
- $21.6M
- Average interest-bearing deposits
- $34.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 8, 1941
- FDIC Cert
- 15847
- Fed RSSD
- 354253
- Website
- http://www.mysunrisebank.com →
- Parent Holding Company
- ADINO COMPANY, THE (RSSD 1134724)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Sunrise Bank Dakota reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Sunrise Bank Dakota's total assets moved between a low of $57.5M (Q2 2026) and a high of $63.7M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$57.5M total assets against $61.4M; $50.4M total liabilities against $55.1M.
$21.0M net loans and leases against $23.6M; $49.7M total deposits against $53.7M.
$24.3M securities against $26.7M; $9.2M cash and balances due against $7.9M.
$618K total interest income against $674K; $204K total interest expense against $252K.
$414K net interest income against $422K.
$28K total noninterest income against $26K; $312K total noninterest expense against $316K.
$0 provision for credit losses against $0.
$124K net income against $127K.
0.82% return on assets against 0.82%; 2.92% net interest margin against 2.91%.
12.98% tier 1 leverage ratio against 11.96%.
Inside the full Sunrise Bank Dakota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q4 2025) to 1.39% (Q4 2024) and its net interest margin ran from 2.74% (Q3 2025) to 3.05% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.98% | 0.82% | 0.00% | 0.00% | 2.92% |
| Q1 2026 | 12.59% | 0.82% | 0.00% | 0.00% | 3.01% |
| Q4 2025 | 12.29% | 0.58% | 0.00% | 0.00% | 2.83% |
| Q3 2025 | 12.35% | 0.67% | 0.00% | 0.00% | 2.74% |
| Q2 2025 | 11.96% | 0.82% | 0.00% | 0.00% | 2.91% |
| Q1 2025 | 11.87% | 0.79% | 0.00% | 0.00% | 3.05% |
| Q4 2024 | 12.22% | 1.39% | 0.00% | 0.00% | 2.91% |
| Q3 2024 | 11.50% | 0.75% | 0.00% | 0.00% | 2.86% |
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 |
|---|---|---|---|
| Sunrise Bank Dakota (main office) | Onida , SD | 57564 | $49.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 65 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Sunrise Bank Dakota
What are Sunrise Bank Dakota's total assets?
As of the Q2 2026 filing, Sunrise Bank Dakota reported total assets of $57.5 million in its FFIEC call report.
Where is Sunrise Bank Dakota headquartered?
It is headquartered in Onida, SD, United States.
When was Sunrise Bank Dakota founded?
It was established in 1925, per the FDIC institution directory.
Is Sunrise Bank Dakota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sunrise Bank Dakota?
Sunrise Bank Dakota's primary federal regulator is the FDIC.
How many branches does Sunrise Bank Dakota 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 Sunrise Bank Dakota's Texas Ratio?
Its Texas Ratio is 0.00% 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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