BlastPoint's Banking Scorecard
Sunrise Bank Dakota
Micro
Specialty: Agricultural
SD
FDIC cert 15847
Designations: ✓ Community bank
Onida, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Sunrise Bank Dakota shows strong momentum with 3 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 29.19% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.3M
+7.4% YoY
+5.4% QoQ
|
-$154.2M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$25.3M
+13.8% YoY
+6.2% QoQ
|
-$113.9M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$55.7M
+5.6% YoY
+9.3% QoQ
|
-$127.9M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.73%
-6.7% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.92%
+14.6% YoY
-0.6% QoQ
|
-0.93% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
73.59%
-14.0% YoY
+2.5% QoQ
|
+5.86% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
45.34%
+7.7% YoY
-2.9% QoQ
|
-29.19% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.07%
+4.7% YoY
+8.1% QoQ
|
+8.68% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
+6.0% YoY
+28.6% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
45.34%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.34% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.07% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Efficiency Ratio
Current: 73.59% · Tier avg: 67.73%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.85%
12
12th pctile
Total Deposits
Current: $55.7M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.3M · Tier avg: $217.5M
9
9th pctile
Total Loans
Current: $25.3M · Tier avg: $139.2M
Top Weaknesses
9
9th pctile
Total Loans
Current: $25.3M · Tier avg: $139.2M
11
11th pctile
Total Assets
Current: $63.3M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $55.7M · Tier avg: $183.7M
13
13th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.85%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.59% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.07% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.34% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%