# DAKOTA PRAIRIE BANK
FORT PIERRE, SD · FDIC certificate 504 · asset band <$300M · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $124.6M | |
| Deposits | $110.9M | |
| Loans and leases | $75.4M | |
| Total equity | $12.6M | |
| Loans / deposits | 66.97% (p46 of band) | 69.44% |
| Liquid assets / assets | 35.35% (p50 of band) | |
| Uninsured deposits / deposits | 23.40% (p65 of band) | 19.29% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.20% (p48 of band) | 11.39% |
| Unrealized securities loss / equity | -14.36% (p64 of band) | -25.32% |
| AOCI / equity | 0.90% (p91 of band) | |
| ROA (annualized) | 0.93% (p47 of band) | 0.97% |
| Net interest margin | 3.95% (p67 of band) | 3.55% |
| Efficiency ratio | 76.20% (p68 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.22% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 41% | |
| Construction % of loans | 17.17% (p45 of band) | |
| Auto loans | $965,000 (1.28% of loans; DQ 0.62%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 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 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, charge-offs p90 |  |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | uninsured deposits >50% | capital falling |
| 2022-12 | 0 |  | uninsured deposits >50% |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2023-10-17 [First Fidelity Bank acquires Dakota Prairie Bank - KELOLAND.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOSWl1WmhfcU9Yc2dwX0g5S1ZsT0lIQ1BNVEQtVHFWVVZhSENaVG0xV19zcGZpREdpeGREQ1c1V0ZtNmFNX3VFSlNBR25VdVNsOUhsUnNsazV5MVQwa3ZzWVVSVDUxTUFwWkE1Q3pDU1NkV2UzRzhkQjMxZUdBZTJ1aXdrSDVnc192NW1nekRTa0ZnWWda0gGaAUFVX3lxTFBfUFd1b3hEYk9RdlNlZGFKM2ZIMngzS0cyeEYySGhGVUNjMXRwbmVtbXA2TDFjUHJuZjA4Q25aeDN4cWhTYTVBa1NVWWNZVVY0RHo4VDVJb0RPeDJZUmhUNm1rR2JBZlBWSVI3SmxCcFZxRXFmMWoyWHNQckwtNFVNWkphRFpKZFJKaEhJWHNIdkhNQXJnNVJxNmc?oc=5) · KELOLAND.com
- 2024-12-19 [SD Economy Slowing With Lower Crop Prices - American Ag Network](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcWpZOFNGMFZ5bmk0SzM2VnVzdGljUUVNMS1vZ3IxTUFIOW5wRUMyT2Y4MzAxU0hZbjhta2dLamJtSlI3VW91c3NOTzQ3OXRZQzR2VUtxcTFVektTZEtDSkJod3p1bFl3Z3RTR2hndXJfUG4zV0o0YzYyd3hseEFKYmZtVjBzeVRqYzZibDZxWHo?oc=5) · American Ag Network
- 2020-05-26 [Cattle producers reopen closed Fort Pierre processing plant - Farm Progress](https://news.google.com/rss/articles/CBMingFBVV95cUxPTmdrazdKM0JMZGdvNHhOT0hnRWdkSV9ZVnZad2ttTjVlLUtIMHJLRFFhLXJrVndGXzZpZzhoNzhDMlFKSUpEWk5zaF9laTdmVDJZTW14TlVjd3pkTTN5WkFKSklnMDh5NkZud08yOHIxUklBb3FQek9icE8tVnc2bnFFMmc4T1F5SmpJdlktckVoTXRDczdXNXJmMFFIZw?oc=5) · Farm Progress
- 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
- 2023-06-02 [Casey Tibbs Match of Champions once again bringing PRCA sanctioned saddle bronc riding to Fort Pierre - DRGNews](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbGV3MGEtMno4R1ZuVHVXTjJxNTRtZmlyZmIwdDg1R1BmN2tKOFU1SmJmRmVSc0pKR1FfcDdQYzBFUmQzYTlPMDlvX2piUkVTSDBMckRQSEdLeGpKNEdyUV9JeWlVMmMtSTlYRlN6bjlZbVlNWnlFdG5QX3Z1ZU9MTHRVVWxXTHphc194QkJDdHJfS2VaZ1VlWVhVN3haVVhlR1dRcWNaVQ?oc=5) · DRGNews

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=504 (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/56.json (key "504", 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