BlastPoint's Banking Scorecard
Sunrise Bank Dakota
Designations: ✓ Community bank
Onida, SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits -7.6% year over year ($49.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.82%.
- Efficiency ratio 70.71% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.20% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sunrise Bank Dakota has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 48.68% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Net Interest Margin 0.94% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.5M
-6.2% YoY
-7.1% QoQ
|
-$4.9M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$21.0M
-11.0% YoY
-2.0% QoQ
|
-$13.9M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$49.7M
-7.6% YoY
-8.6% QoQ
|
-$1.9M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.82%
+0.1% YoY
+1.6% QoQ
|
-0.17% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
2.98%
-0.3% YoY
+0.8% QoQ
|
-0.94% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio ? |
70.71%
+0.1% YoY
-0.2% QoQ
|
-48.68% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
42.20%
-3.8% YoY
+7.2% QoQ
|
-32.01% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
29.56%
+3.5% YoY
-9.6% QoQ
|
+6.07% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.98%
+8.5% YoY
+3.1% QoQ
|
-14.15% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.09%
+20.3% YoY
+128.3% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
36% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.6%
+1.0pp YoY -3.1pp QoQ |
+4.9pp | 24.6% | 23.5% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.5%
+1.3pp YoY -0.2pp QoQ |
+7.1pp | 13.4% | 14.1% | 12.5% | 80% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
8.5%
+1.2pp YoY -0.1pp QoQ |
-26.4pp | 35.0% | 14.9% | 31.3% | 19% |
| Consumer |
8.0%
+0.9pp YoY +0.3pp QoQ |
+0.3pp | 7.7% | 8.5% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.6% | 19.7% | n/a |
| Leverage Ratio |
13.0%
+1.0pp YoY +0.4pp QoQ |
-4.7pp | 17.7% | 11.9% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-1 (-14.3%) YoY -2 (-25.0%) QoQ |
-6 | 12 | 6,279 | 482 | 13% |
| Assets per Employee ($) |
$9.6M
+9.4% YoY +23.8% QoQ |
+$3.4M | $6.2M | $8.1M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 96.54x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.2%
-1.2pp YoY -0.1pp QoQ |
+0.8pp | 6.4% | 12.4% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY +0.1pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 52% |
| Net Income ($, YTD) |
$251,000
+0.8% YoY — QoQ |
-$67K | $317,817 | $418.8M | $40.4M | 44% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.