BlastPoint's Banking Scorecard

Reliabank Dakota

$100M-$1B Specialty: Commercial SD FDIC cert 16221

Estelline, SD

10 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Reliabank Dakota has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.70% below tier average
+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.66% below tier average

Get updates when Reliabank Dakota releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$757.8M +1.5% YoY -1.8% QoQ	+$371.7M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	Top 10.2% in tier
Total Loans ?	$507.2M +11.5% YoY +4.1% QoQ	+$251.5M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	Top 10.4% in tier
Total Deposits ?	$638.1M +2.5% YoY +0.4% QoQ	+$310.1M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	Top 10.4% in tier
Return on Assets ?	1.25% +130.7% YoY +17.6% QoQ	-0.02%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.27% +31.9% YoY +12.3% QoQ	-0.66%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	61.59% -22.0% YoY -7.1% QoQ	-3.70%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.27% -58.7% YoY -28.7% QoQ	-0.61%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	59%
Loan-to-Deposit Ratio ?	79.49% +8.8% YoY +3.7% QoQ	+2.85%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	18.07% +1.7% YoY -6.0% QoQ	-3.95%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.18% -54.6% YoY -24.5% QoQ	-0.45%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	14.03% +1.7% YoY -3.6% QoQ	-1.80%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.09% -6.7% YoY -83.4% QoQ	-0.19%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

273

Total Assets

size

Value: $757.77M

Peer Median: $386.08M

#273 of 2664 Top 10.2% in $100M-$1B

277

Total Deposits

size

Value: $638.11M

Peer Median: $327.97M

#277 of 2664 Top 10.4% in $100M-$1B

278

Total Loans

size

Value: $507.20M

Peer Median: $255.72M

#278 of 2664 Top 10.4% in $100M-$1B

Top Weaknesses (1 metrics)

2114

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.93%

#2114 of 2664 Bottom 20.7% in $100M-$1B