BlastPoint's Banking Scorecard
Dacotah Bank
Designations: ✓ Community bank
Aberdeen, SD
32 branches across SD · ND · MN
Dacotah Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.5% in tier
- - ROA 0.24% below tier average
- - Efficiency Ratio 2.37% above tier average
- - Delinquency Rate 0.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.9B
+5.9% YoY
+0.7% QoQ
|
+$2.1B |
$2.8B
-0.1% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$3.9B
+9.4% YoY
-0.1% QoQ
|
+$2.0B |
$2.0B
+0.6% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
Top 12.4% in tier |
| Total Deposits ? |
$4.4B
+5.2% YoY
+0.7% QoQ
|
+$2.0B |
$2.3B
-0.3% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Top 13.9% in tier |
| Return on Assets ? |
1.13%
-1.3% YoY
+11.7% QoQ
|
-0.24% |
1.37%
+19.6% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
4.11%
+15.3% YoY
+11.0% QoQ
|
+0.29% |
3.82%
+6.9% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
63.43%
-3.3% YoY
-5.0% QoQ
|
+2.37% |
61.06%
-4.6% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
1.07%
-0.4% YoY
-17.4% QoQ
|
+0.18% |
0.89%
+14.1% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
90.09%
+4.0% YoY
-0.8% QoQ
|
+5.89% |
84.20%
+0.3% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
19.23%
-0.5% YoY
-3.2% QoQ
|
-2.05% |
21.29%
-2.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.87%
+3.4% YoY
-17.8% QoQ
|
+0.19% |
0.67%
+15.6% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
11.32%
-0.1% YoY
+1.2% QoQ
|
-3.84% |
15.16%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.19%
-8.8% YoY
-74.3% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.