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Dacotah Bank

$1B-$10B Specialty: Agricultural SD FDIC cert 17437

Designations: ✓ Community bank

Aberdeen, SD

32 branches across SD · ND · MN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
  • Deposits +6.0% year over year ($4.3B on the books).
  • Delinquency rate 1.54%.
  • Return on assets 1.09%.
  • Efficiency ratio 62.19% vs a 59.73% peer average.
  • Loan-to-deposit ratio 92.76% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD
View $1B-$10B leaderboard (SD) →

Dacotah Bank has 1 strength but faces 4 concerns

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

  • + Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 35.7% in tier
  • - Credit Risk Growth: Bottom 44.8% in tier
  • - ROA 0.30% below tier average
  • - Efficiency Ratio 2.46% above tier average
Get updates when Dacotah Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $4.9B
+7.0% YoY +1.1% QoQ
+$2.1B $2.8B
-0.6% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
Top 14.7% in tier
Total Loans ? $4.0B
+8.0% YoY +2.9% QoQ
+$2.1B $2.0B
-0.3% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
Top 11.8% in tier
Total Deposits ? $4.3B
+6.0% YoY -0.1% QoQ
+$2.0B $2.3B
-0.5% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
Top 13.1% in tier
Return on Assets ? 1.09%
+0.7% YoY -3.7% QoQ
-0.30% 1.39%
+17.0% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 4.09%
+13.0% YoY -0.4% QoQ
+0.22% 3.87%
+6.2% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 62.19%
-5.8% YoY -2.0% QoQ
+2.46% 59.73%
-12.6% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 1.54%
+15.4% YoY +43.3% QoQ
+0.67% 0.87%
+11.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 92.76%
+1.9% YoY +3.0% QoQ
+7.72% 85.04%
-0.1% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 18.91%
+4.3% YoY -1.7% QoQ
-2.37% 21.27%
-1.5% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 1.26%
+16.9% YoY +45.5% QoQ
+0.59% 0.67%
+11.7% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Bottom 14.5% in tier
Tier 1 Capital Ratio ? 11.27%
+0.5% YoY -0.4% QoQ
-3.57% 14.84%
-0.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.38%
-1.8% YoY +104.6% QoQ
-0.15% 0.53%
+2.5% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
68%

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 18.9%
+0.8pp YoY
-0.3pp QoQ
 -2.5pp 21.4% 23.5% 22.2% 44%
Brokered Deposits n/a n/a 9.5% 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 26.7%
+2.0pp YoY
+1.5pp QoQ
 +12.7pp 14.0% 14.1% 12.5% 88%
CRE 35.0%
-1.2pp YoY
-1.1pp QoQ
 -15.0pp 50.0% 31.5% 41.4% 15%
1-4 Family 5.7%
-0.1pp YoY
-0.1pp QoQ
 -20.8pp 26.4% 14.9% 31.3% 7%
Consumer 4.0%
0.0pp YoY
+0.1pp QoQ
 -0.7pp 4.7% 8.5% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 11.3%
+0.1pp YoY
-0.1pp QoQ
 -4.3pp 15.6% 17.6% 19.7% 13%
Leverage Ratio 10.1%
+0.1pp YoY
+0.2pp QoQ
 -1.2pp 11.3% 11.9% 12.6% 38%
Total Capital Ratio 12.4%
+0.2pp YoY
-0.1pp QoQ
 -4.3pp 16.7% 18.8% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 619
+19 (+3.2%) YoY
+8 (+1.3%) QoQ
 +305 313 6,279 482 90%
Assets per Employee ($) $8.0M
+3.7% YoY
-0.2% QoQ
 -$2.5M $10.5M $8.1M $8.8M 39%
Branch Count 32
-1 (-3.0%) YoY
-1 (-3.0%) QoQ
 +12 20 92 18 83%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 56%
Nonaccrual 1.5%
+0.4pp YoY
+0.4pp QoQ
 +0.7pp 0.8% 1.0% 1.0% 86%
Allowance Coverage 0.77x
-4.4% YoY
-30.6% QoQ
 -17.94x 18.71x 96.54x 20.23x 15%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.7% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 11.3%
-0.4pp YoY
-0.5pp QoQ
 -1.3pp 12.6% 12.4% 11.6% 43%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 1.9% 1.7% 1.7% 45%
Net Income ($, YTD) $26.5M
+8.0% YoY
— QoQ
 +$7.3M $19.2M $418.8M $40.4M 79%

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 (2)

Liquidity Strain

risk
#130 of 361 • Bottom 35.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.76%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#181 of 402 • Bottom 44.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

105
Total Loans
size
Value: $4.03B
Peer Median: $1.96B
#105 of 885 Top 11.8% in $1B-$10B
117
Total Deposits
size
Value: $4.35B
Peer Median: $2.32B
#117 of 885 Top 13.1% in $1B-$10B
131
Total Assets
size
Value: $4.92B
Peer Median: $2.79B
#131 of 885 Top 14.7% in $1B-$10B

Top Weaknesses (3 metrics)

758
Nonperforming Asset Ratio
credit_quality
Value: 1.26%
Peer Median: 0.67%
#758 of 885 Bottom 14.5% in $1B-$10B
748
Delinquency Rate
credit_quality
Value: 1.54%
Peer Median: 0.87%
#748 of 882 Bottom 15.3% in $1B-$10B
692
Tier 1 Capital Ratio
capital
Value: 11.27%
Peer Median: 14.84%
#692 of 885 Bottom 21.9% in $1B-$10B
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