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Reliabank Dakota
Estelline, SD · FDIC Certificate #16221 · Chartered 09/0
Total assets
$788.41M
Total deposits
$663.60M
Total equity
$64.49M
Net loans
$525.17M
Branches (offices)
10
Net income (YTD)
$5.31M
Rank: #1,269 of 4,213 U.S. banks by assets · #19 of 56 in South Dakota. Assets changed 6.5% and deposits 7.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 17.28% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 8.18% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 44.7% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 79.1% |
| Real estate loans (share of loans) | 60.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $319.46M | 60.8% | |
| Commercial & industrial | $109.30M | 20.8% | |
| Consumer / individual | $4.37M | 0.8% | |
| Construction & development | $30.68M | 5.8% | |
| Agricultural | $96.37M | 18.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $779.21M | $712.34M | $4.03M | $30.48M |
| Jun 2023 | $800.90M | $640.42M | $1.78M | $34.60M |
| Jun 2024 | $784.97M | $643.38M | $1.44M | $42.48M |
| Jun 2025 | $740.58M | $616.91M | $2.87M | $47.20M |
| Jun 2026 | $788.41M | $663.60M | $5.31M | $64.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $663.60M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $663.60M.
Similar-sized banks
Citizens Trust Bank ($790.29M) · City State Bank ($787.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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