Sunrise Bank Dakota: how it compares with its peers
Against 13 SD banks with half to twice its assets, Sunrise Bank Dakota's strongest measure in Q2 2026 is assets per employee ($9.6M vs. a $7.7M peer median). Its weakest relative measure is net interest margin (2.98% vs. 3.80%).
| Measure | Sunrise Bank Dakota | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.11% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.98% | 3.80% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.71% | 65.63% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $7.7M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 42.20% | 56.10% | Context |
What it means for lending operations
Its efficiency ratio of 70.71% is above the 65.63% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bryant State Bank Bryant, SD · $53M
- First Western Federal Savings Bank Rapid City, SD · $64M
- The Security State Bank Emery, SD · $65M
- Richland State Bank Bruce, SD · $50M
- Community Bank Avon, SD · $69M
- The Farmers State Bank of Turton Turton, SD · $41M
Questions about Sunrise Bank Dakota
How big is Sunrise Bank Dakota?
Sunrise Bank Dakota, established in 1925, is headquartered in Onida, SD. It reported $58M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Sunrise Bank Dakota's return on assets?
0.82% annualized in Q2 2026, against a 1.11% median for 13 SD banks with half to twice its assets, ahead of 31% of them.
What is Sunrise Bank Dakota's efficiency ratio?
70.71% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 65.63%, and lower is better.
Is Sunrise Bank Dakota growing its loans?
Net loans shrank 11.0% over the year to Q2 2026, while deposits shrank 7.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Dakota bank ranked.