Reliabank Dakota: how it compares with its peers
Against 9 SD banks with half to twice its assets, Reliabank Dakota's strongest measure in Q2 2026 is assets per employee ($10.5M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (3.32% vs. 3.74%).
| Measure | Reliabank Dakota | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.50% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 3.74% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.91% | 54.58% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $6.6M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.14% | 85.35% | Context |
What it means for lending operations
Its efficiency ratio of 58.91% is above the 54.58% 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
- First Fidelity Bank Burke, SD · $717M
- Pioneer Bank & Trust Belle Fourche, SD · $1.01B
- Security Savings Bank Canton, SD · $557M
- Black Hills Community Bank, N.A. Rapid City, SD · $490M
- First National Bank Oldham, SD · $478M
- First National Bank in Philip Philip, SD · $458M
Questions about Reliabank Dakota
How big is Reliabank Dakota?
Reliabank Dakota, established in 1920, is headquartered in Estelline, SD. It reported $788M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Reliabank Dakota's return on assets?
1.37% annualized in Q2 2026, against a 1.50% median for 9 SD banks with half to twice its assets, ahead of 44% of them.
What is Reliabank Dakota's efficiency ratio?
58.91% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 54.58%, and lower is better.
Is Reliabank Dakota growing its loans?
Net loans grew 12.1% over the year to Q2 2026, while deposits grew 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.