# DAKOTA STATE BANK
BLUNT, SD · FDIC certificate 1682 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $41.8M | |
| Deposits | $36.8M | |
| Loans and leases | $19.2M | |
| Total equity | $4.9M | |
| Loans / deposits | 52.16% (p20 of band) | 73.15% |
| Liquid assets / assets | 46.11% (p74 of band) | |
| Uninsured deposits / deposits | 19.19% (p71 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.95% (p55 of band) | 10.64% |
| Unrealized securities loss / equity | 1.93% (p75 of band) | 0.27% |
| AOCI / equity | -1.00% (p15 of band) | |
| ROA (annualized) | 0.94% (p58 of band) | 0.82% |
| Net interest margin | 4.39% (p86 of band) | 3.64% |
| Efficiency ratio | 74.16% (p52 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 44% | |
| Construction % of loans | 9.63% (p39 of band) | |
| Auto loans | $113,000 (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 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 | 1 | assets shrinking |  |
| 2015-12 | 0 |  | assets shrinking |

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

- 2026-08-26 [Maurice Klatt Obituary May 30, 2004 - Miller Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE12aUZnUExhcy1POGtEZWZ1YzNVUkZmVDc2NG9xS0hpamRHa2s0WW16SGd2Zjg0UjRlb3VDQnk4SzRkT1piUm1hUHlyZnhoam5KV3dfN005VW9yNjdHc2c?oc=5) · Miller Funeral Home
- 2023-03-28 [SVB’s closure rocked banking world. Can it happen in South Dakota? - South Dakota News Watch](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Xbnc0Slkxc08xSkUtSExDcTJrZXNGSnJVb1U1cjRGcHNWMDVsTF9adnBhWjJkVDZrd092akZ1SDRObTRsUEF5Z1VVMU1kWnRaYXhBMHRVSUUwVE5UVlhsYWFqNWltUG5fRDN1blVQQzYxMm5ydUlXZGw3VXB6UQ?oc=5) · South Dakota News Watch
- 2014-04-22 [Increased regulations threaten small banks - Argus Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWnZYb0tNM0N0Q3RyUVZyZEh2Wm5Ed2dzc09iTmE3Q0cwaU5oaUNxb2Vxd3U0Y3JQYlZtY3ctQXdzb092bVJjeW4wcXNfZXBzdkJRREFzRkNRaWt1ZFl0cjc0akhtMTVORUMyaVcwRng0NVVrUmpoT2pJUEh3ak1lbmZ2QV91QWMyNno3R1VSTUVqUFFVa2ZaR3lMVzAzVWlRQjBVVjk0cl96N1VfR1dzUWE1UWVsVWdDQ1E?oc=5) · Argus Leader
- 2024-08-29 [Shirley Mae Schultz Obituary Aug 29, 2024 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE4wUUdRZDZydUF0b09BcHQxb0hqZ0NodEpVamM4R3ZJVnEwZFZJVXhhejQyNWlUdzhzVWFaMzB4Z3RRRUU3VF80Xzk3MGpyWlg1SDJjcWtyYWdMRmRFZkZwZ1BaZ3JlX0NMTzRTMUVkZUU?oc=5) · Mundwiler &amp; Larson Funeral Homes
- 2025-12-01 [Kenneth Jon Klatt Obituary (1940 - 2025) - Sioux Falls, SD - KELOLAND - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVkZkT01vREt3M0UwZHpSMVRQblBZYkRFLUpVbHRzbGFHeHRIOTR5QXF3U2NlQ05XNUdoZk1XMDRrREJMZDhFSm8yTWhqVGdkZ0hlWDlHR1BiUFI0Y2pQU3ZjcjNmTUx4eEFqWlh3bzlwbTVuLVlISWVUckZTcmgwSGg5LTBuelhzdXpjUDdR?oc=5) · legacy.com
- 2022-07-26 [Shirley Splinter Obituary - Mesa, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQY2JldU9NT3VxczZraTNMMllWV0RSZVVEQUhZVGtVbGhHb2tXcnB6M1FxQUlOUUV4QTVzRWRId0hMZUF0SXpZaVdBNWdkNnNvNHN5M2xyZUVXbmxJY1Q5c3gwOEhlMmFaTjJsT3RURVByWDI1Rm1tNDBoN3A0OXdWMll3?oc=5) · Dignity Memorial
- 2020-04-30 [Ruth Thaden Obituary Apr 30, 2020 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE9PWXM3Z3AyZDlEbEpGNVdybERYcURFR0NYOGhLVWFDSTZjLUVRcUpDOGFmaHk4VURSMGJDZjA3Z1diRjE1Q1BpRnVxQk56Z1pGeFhVV19MS21PaDl0cThsSUcwOXJSNHF6Y1o4?oc=5) · Mundwiler &amp; Larson Funeral Homes
- 2009-06-17 [Max Gruenwald Obituary Jun 17, 2009 - Mundwiler & Larson Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1VRXZzMXprOGRfV2x5WU9qTHp2TE1QZU9PcGJsV2NFbFNNSThwNV85Sm1kaWI2M1B5U1lrSWFiS2JGVXhwY3hpV29VNWZwWXVNclNlRFlKSGNQd1JaMFNmTDNKRVdXYzdsZVFfNUNR?oc=5) · Mundwiler &amp; Larson Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1682 (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/18.json (key "1682", 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