BlastPoint's Banking Scorecard
Dacotah Bank
Community
Specialty: Agricultural
SD
FDIC cert 17437
Aberdeen, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
Dacotah Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+8.9% YoY
+1.0% QoQ
|
+$3.4B |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.9B
+9.6% YoY
+2.5% QoQ
|
+$2.9B |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$4.3B
+9.7% YoY
+0.6% QoQ
|
+$3.2B |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.01%
+45.0% YoY
-4.5% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.70%
+13.8% YoY
+2.0% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
66.81%
-10.2% YoY
+1.4% QoQ
|
+4.17% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
1.30%
+156.7% YoY
-10.7% QoQ
|
+0.67% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
90.80%
-0.1% YoY
+1.9% QoQ
|
+7.74% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
19.86%
-0.6% YoY
+7.9% QoQ
|
-1.18% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.06%
+157.4% YoY
-9.3% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.19%
+0.8% YoY
+0.4% QoQ
|
+0.95% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.72%
+11.0% YoY
+31.2% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#190 of 513 · Bottom 37% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.80%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
Total Deposits
Current: $4.3B · Tier avg: $1.2B
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
100
100th pctile
Total Loans
Current: $3.9B · Tier avg: $975.5M
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.80% · Tier avg: 83.06%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.86% · Tier avg: 21.05%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.19% · Tier avg: 10.24%
35
35th pctile
Efficiency Ratio
Current: 66.81% · Tier avg: 62.63%
19
19th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.63%
35
35th pctile
Efficiency Ratio
Current: 66.81% · Tier avg: 62.63%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.19% · Tier avg: 10.24%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.86% · Tier avg: 21.05%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.80% · Tier avg: 83.06%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
100
100th pctile
Total Loans
Current: $3.9B · Tier avg: $975.5M
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
100
100th pctile
Total Deposits
Current: $4.3B · Tier avg: $1.2B