# DACOTAH BANK
ABERDEEN, SD · FDIC certificate 17437 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $4.92B | |
| Deposits | $4.35B | |
| Loans and leases | $4.08B | |
| Total equity | $481.0M | |
| Loans / deposits | 92.76% (p67 of band) | 87.10% |
| Liquid assets / assets | 13.19% (p15 of band) | |
| Uninsured deposits / deposits | 33.47% (p57 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p23 of band) | |
| FHLB advances / assets | 1.10% | |
| Tier 1 leverage | 10.07% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -6.55% (p55 of band) | -7.75% |
| AOCI / equity | -0.67% (p27 of band) | |
| ROA (annualized) | 1.09% (p36 of band) | 1.26% |
| Net interest margin | 4.09% (p74 of band) | 3.70% |
| Efficiency ratio | 62.19% (p61 of band) | |
| Noncurrent loans | 1.52% (p85 of band) | 0.51% |
| Net charge-offs (annualized) | 0.19% (p85 of band) | |
| Reserve coverage of noncurrent | 77.07% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 61.39% (p64 of band) | |
| Auto loans | $48.9M (1.20% of loans; DQ 0.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 619 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 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 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2019-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 1 | noncurrent p90 |  |
| 2020-03 | 2 | capital falling, reserve under noncurrent | noncurrent p90 |
| 2020-06 | 3 | noncurrent p90 |  |
| 2020-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 2 |  | reserve under noncurrent, capital falling |
| 2026-06 | 1 | reserve under noncurrent | brokered >10%, wholesale funding >15% |

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

- 2026-06-18 [NSU's Dacotah Bank Dean of the School of Business selected for Leadership South Dakota Class of 2027 - Grand Forks Herald](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNdFQ5c3g1aFE2blRBWkpjcUN0X0tmb2MzMWY0dXB4SVREd3EtX2gtSG8wZFZISEhqR2dNcTFPck44RXhYSi1lRUthY0daRXJQUjZMT2NCdGJSU2p3UFhRWGpldXhXZHBTOVhXY2MtOE83OVVnRll2aEgxOHRqd3NiZW1XbTlIZXFydk5MT3lKRWFsanRsV2djbUpDZklibGZGalNRQVNJSEFBUGJIdDJ5cGhKMWZZanpYLXRtcWRNNXdYN0NrQVZxOVg2UEI0M01Zb0tQZjhjN3FWNzNzRHF0VUxIRQ?oc=5) · Grand Forks Herald
- 2026-03-18 [Open house meetings address future of Dacotah Bank Center - Dakota News Now](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdG8zeGFpTXhUM1hLU2t6X1pmdUdoRjNfNzlyQzhHMkZDNzBKQXJsT0ZGUzhBdkNVM3c2X2ItV1FqOF94VmtZWkNBYlRRaWNHMFdpTC1WQXNueER1MXZmaVRRbGgtbk0zOFIxOGxaczNRbVF6ZDN3bkc2TzRkSzJJamxINE56RUFWamtmNHN4MHBTQ3NlTGdmdFJ6ZE_SAbABQVVfeXFMUGw4Z1RuY1ZlZ1o2TnFuZUpIR2xwQVppQkJaQVJwZVJkQmFWQW1JRlJOUFdsZjlfaTdGS085VW9sUlNZckkyOWV5ZWl1ekl5NEVmVVZVX3BNZy1JMGdpaDVGbjNwaTU1cXptM0szT2Fha1k2c3NHc01sS0N6ZlY4bUx2OGpRSS1UOFhQZlpZUFN6S0VUbU1MUWptQjJfQUQ0LUNYZUFoWWR5N04xbzRraUk?oc=5) · Dakota News Now
- 2026-03-23 [2 million visitors in 25 years at Dacotah Bank Center - KELOLAND.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOem9RZzV2X1lTTkthbEV2NVI0WnN1azVlZHRyb3pzb3NlSmtxNnV2R190RWdaY3VrRmw1b1FLNmRja1ExODhMVVBtbmtWTGtUYWhtam5qcHZIeW1CZjFYcGNWSF9hUlF6cGg4TVRFTHdoRmFYMlY4dk9jZnFxMVIxNUJ5dkhaZHRGcVBqZDd2YTJxRWVqUWpfcElTUXFIemc0WWZJ0gGoAUFVX3lxTE5neVhwQVp2M3NncFE2Uno1aWF6eEd1dE9pYVhEVXREUmRTRnl6Nkw4QUM4QUthdzFNTEtPOWUyeE9KbzNhZTR2ZUJxMHU5akxNQU41RmxDT2xOYnN1RjBXSkNHaHA4ejFOSTFBdEIxaEg2bm5nN3RuSUhRWUJFTlVYNmhwcEFjT0w4Y2JRalR3YTdrbG1KTk81aDlIVGNxV1JvSFpRTXVnZg?oc=5) · KELOLAND.com
- 2026-03-30 [Dacotah Bank Construction Site Leak Catalyst To Second Leak On City Water Main - Aberdeen Insider](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQdkZ3SFZHSW5URFhvbjJsZUgxT3FFTkpOUWJHTnJfYkZ6UWRTUEdLTkJyTjBza3NyZC1aeDFlWHZ4ZWVfdktvRjY1RklaTW9XbTVFMzlhWW50Y0hFbDUwc29uUmZKWWIxRVE1eTRTdEF2SF9jOElqRGllbEtaQjU3dklQUWdsUmxCSU5PMXYzeTNVem13R2tpRXNJY2l2dF9MNXN3TkNYSVIydjZkS3N3MzVXRVBLaDFi?oc=5) · Aberdeen Insider
- 2026-03-20 [No single pathway: Brookings-area residents split on future of Dacotah Bank Center - Brookings Register -](https://news.google.com/rss/articles/CBMixgFBVV95cUxQQ2c3V01NN3lVRk1LMno4OTBmdzRseXp2Sl9FNF9SanAxUGxXVUZWLUpmbGg0aHlmWXI0anhQeU9vRUo1LW8zclUwdC1Zek1lbnZQSHdGZnJJaG9JcGZOcmJhZ0lvV044aVZVandtbWtmZGlSdjdsRXMwZEdBYS0xQTNtNEpMM2JwVURUR2U4c1VTX3NLQXNHT1lidzZJMW9iMFd3TUdzT0pxTnZIMS00Y2F4Q0gzTTlmSW51ZjJzNkRKUWVkMVE?oc=5) · Brookings Register -
- 2026-03-14 [Public open houses addressing Dacotah Bank Center future happening next week - Dakota News Now](https://news.google.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?oc=5) · Dakota News Now
- 2026-02-10 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5lYURiUVZtdkN4dlFzWXJCY2VobGRleS00b0N6ZjdGbjh3Ulc5U1VrT091MTZVY2VBQUVpLVpSTDVQSGhGZEQ0UmlVSWlhdGlNTF93OEQwOWxTZw?oc=5) · SiouxFalls.Business
- 2026-03-19 [What’s in store for the Dacotah Bank Center? - KELOLAND.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZ1M4N3ZSVjRCaTlia0NQTlRtQnJwbExCT1lUY0htU2hNWHBHSEs1c0MteHNsaTd0N3pTdkcxMGdQSXV6WldfZ1IyenRNbS1LU21yU1B4RXBYN1NtZGo2M29FQ3FSWS1SUVRjejE3QmMxdmJnTVNvNW5SQ1oyZVY3YzJTS3RJZzZ1OWdKWdIBkgFBVV95cUxOTEJUejNTX29kT2NYbzVQZWM1aVdobFRfSk1ERFVnSS1PeURGcXg3TUhWNUZJMTdLNEwtTlJ1T0dzMzhCMl9xYUpLWS15bFJ6WU9jQmR0M1RwTXdLYk1kS0MzdUVrTkdZckFySGRMclBGc0FmSTdGTzdYR0F4NjZhTGRQcHd4Y1V0VUZHNjdyOUpOUQ?oc=5) · KELOLAND.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17437 (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 "17437", 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