# RELIABANK DAKOTA
ESTELLINE, SD · FDIC certificate 16221 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $788.4M | |
| Deposits | $663.6M | |
| Loans and leases | $529.5M | |
| Total equity | $64.5M | |
| Loans / deposits | 79.14% (p44 of band) | 82.04% |
| Liquid assets / assets | 30.14% (p64 of band) | |
| Uninsured deposits / deposits | 44.70% (p92 of band) | 25.97% |
| Brokered deposits | 2.54% | |
| Wholesale funding | 9.51% (p75 of band) | |
| FHLB advances / assets | 6.98% | |
| Tier 1 leverage | 10.49% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -31.18% (p12 of band) | -8.10% |
| AOCI / equity | 2.52% (p98 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 3.32% (p21 of band) | 3.91% |
| Efficiency ratio | 58.91% (p42 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 311.07% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 47.57% (p54 of band) | |
| Auto loans | $896,000 (0.17% of loans; DQ 1.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 0 |  | capital falling, charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | charge-offs p90 | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 3 | uninsured deposits >50% | reserve under noncurrent, capital falling, charge-offs p90 |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 3 |  | construction >100% equity |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 4 | wholesale funding >15%, NIM <2.5% |  |
| 2023-09 | 6 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 5 | uninsured deposits leaving | AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | wholesale funding >15% |
| 2025-06 | 2 | assets shrinking | NIM <2.5% |
| 2025-09 | 3 | deposits shrinking |  |
| 2025-12 | 1 |  | assets shrinking, deposits shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-11 [Reliabank names Joshua Hogue as new CEO: Banking 'is who I am' - Argus Leader](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOLXo1UERDa0ZrbGtUUUVEZGZVdDYyd3lseTdHbzVaZGFDU2UxbHRGVUkwNGUzcWZOOFFKN0lBUDBNS0l0V2FyN3NwRlRRWFdUZV9xVTNSa3VpaTBxS2FBRHRHRUFWR0pJMWgxWnROWk9qRG9mQzhHT2haNGRENkJLVE1naS03QkZnMFdSY1g0eFBsSWdmcHBwaktneHpkbkV1Vk94NU9PaTBQb3Y0QkxRMDdFS0hiaWk2VFRBN0paZEduaDFxQkg0NDB5YlRWWEtrUmZsLQ?oc=5) · Argus Leader
- 2026-04-09 [With major matching gifts, hundreds of S.D. nonprofits benefit from significant donations - SiouxFalls.Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxQV3huTU8zX01zRVotZFVXenJ6TDlrVkRydHgwcU5PMkt2WWduMXZLa09VVWJyTTkyWlRXWmlqV1VPR0RCSnlkY3dwUk9veWNjbDFueEQ4NDcxWEp4dm9PNzZlNmpYc1R0M2NmMWoybHUwdHlITG1UM0VPM3dLbUhWQkJNQnVKWlpkZC1iRnFhbmdGMXktRWNLY293c2F6WmtQUThic3BhQmN3RmxSdndXQ0s2cGVWSFk?oc=5) · SiouxFalls.Business
- 2016-12-24 [CODINGTON - Watertown Public Opinion](https://news.google.com/rss/articles/CBMif0FVX3lxTE9BbEFreGRlVU50RDIyVG9KWDV3UEZrcC11WXFya2dsWGFqN1VTaVBLSnBrbFBmLUktSURmdVhIZDJPX0plR1VpZXVwV19tNnNxVENlcmc3eG5mT2llZlMyVG5pTDBrbkRNMUtOd2dtTzNfczdsWVoyaFJzaUQ2M1k?oc=5) · Watertown Public Opinion
- 2020-07-07 [SBA releases list of businesses that benefited from PPP loans - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxQck1HenhZN1ZQYkZJMHJWVjVURW5FTHJiWGUxRXhXbTJwOVdNTWRSQjVkUmtoSjQ1Tk1qc1h2UmQ3OWx4LUJLVTd3TUlYekRFSmNLZmtFMWU0WmFDWkI5cEFIRWNoVWpaU0dsUFR1UEdlZGFQTHliOU56eXc2cDVxRkFuOTUtRjl0MUpRRnl0Uld6OG9T?oc=5) · SiouxFalls.Business
- 2014-02-07 [Violinist to headline S.D. Symphony concert in Watertown - Watertown Public Opinion](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQemF1bXR0eVl1ZlZQZGJiTTRVN3czc29Ibmo1RV9HczdQUVQ2OFAwNWNDTExMZXdsdXBPVGlWRjFvMEVnWk4ybHNHalBCbDhscDR4MHdYTTg5WWF4WDk0NmhTLVlTSXZRb2Vuci1xVU1mS0JmWHhfLTZobjVEZGJ0UGJXY0JORHN6SWVQVG1jdW01aFJWOURnT0xGV2w5T1ZrRkFPc2pfQkRxalpwMU9HWnB6LS1NcTVJaDBwRVAwTl8?oc=5) · Watertown Public Opinion

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16221 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "16221", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide