BlastPoint's Banking Scorecard
Reliabank Dakota
Estelline, SD
10 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
- Deposits +7.6% year over year ($663.6M on the books).
- Delinquency rate 0.26%.
- Return on assets 1.37%.
- Efficiency ratio 58.91% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.14% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Reliabank Dakota has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Efficiency Ratio 5.57% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.67% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$788.4M
+6.5% YoY
+4.0% QoQ
|
+$401.8M |
$386.6M
+1.2% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
Top 8.6% in tier |
| Total Loans ? |
$525.2M
+12.1% YoY
+3.5% QoQ
|
+$266.8M |
$258.3M
+1.7% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
Top 9.5% in tier |
| Total Deposits ? |
$663.6M
+7.6% YoY
+4.0% QoQ
|
+$336.9M |
$326.7M
+0.7% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
Top 8.7% in tier |
| Return on Assets ? |
1.37%
+81.6% YoY
+10.0% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.32%
+23.4% YoY
+1.5% QoQ
|
-0.67% |
3.99%
+5.0% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
58.91%
-19.4% YoY
-4.4% QoQ
|
-5.57% |
64.48%
-3.2% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.26%
-60.0% YoY
-3.2% QoQ
|
-0.65% |
0.92%
+15.7% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
79.14%
+4.2% YoY
-0.4% QoQ
|
+1.19% |
77.95%
+1.0% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
18.50%
+1.6% YoY
+2.4% QoQ
|
-3.53% |
22.03%
-0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.18%
-57.9% YoY
-3.7% QoQ
|
-0.49% |
0.67%
+16.4% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.06%
-0.8% YoY
+0.2% QoQ
|
-1.85% |
15.91%
+1.4% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.18%
-15.3% YoY
+111.8% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
18.5%
+0.3pp YoY +0.4pp QoQ |
-3.6pp | 22.1% | 23.5% | 22.2% | 38% |
| Brokered Deposits |
3.0%
-1.0pp YoY -0.1pp QoQ |
-4.8pp | 7.9% | 8.7% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.8%
+0.9pp YoY +0.1pp QoQ |
+9.3pp | 11.6% | 14.1% | 12.5% | 89% |
| CRE |
38.4%
-0.7pp YoY -0.2pp QoQ |
-1.1pp | 39.5% | 31.5% | 41.4% | 50% |
| 1-4 Family |
15.6%
-1.3pp YoY -0.4pp QoQ |
-17.1pp | 32.6% | 14.9% | 31.3% | 20% |
| Consumer |
0.8%
-0.1pp YoY +0.1pp QoQ |
-3.3pp | 4.1% | 8.5% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
-0.1pp YoY 0.0pp QoQ |
-4.8pp | 18.8% | 17.6% | 19.7% | 40% |
| Leverage Ratio |
10.5%
+0.7pp YoY +0.1pp QoQ |
-1.7pp | 12.2% | 11.9% | 12.6% | 41% |
| Total Capital Ratio |
14.8%
-0.3pp YoY 0.0pp QoQ |
-5.1pp | 19.9% | 18.8% | 20.8% | 36% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
75
-6 (-7.4%) YoY 0 QoQ |
+16 | 58 | 6,279 | 482 | 74% |
| Assets per Employee ($) |
$10.5M
+15.0% YoY +4.0% QoQ |
+$3.0M | $7.5M | $8.1M | $8.8M | 88% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 92 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.4pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 36% |
| Allowance Coverage |
3.11x
+107.0% YoY -1.9% QoQ |
-21.04x | 24.15x | 96.54x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.7% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.3%
+5.1pp YoY +1.3pp QoQ |
+5.1pp | 12.2% | 12.4% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$5.3M
+84.8% YoY — QoQ |
+$2.8M | $2.6M | $418.8M | $40.4M | 89% |
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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.