| Metric | Dacotah Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.5 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +1.0 pts |
| Loan growth (YoY) | +8.0% | +5.9% | +2.1 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 11.3% | 12.2% | -0.9 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.92B | $4.35B | $4.03B | $481.0M | $26.5M | 1.09% | 4.09% | 1.26% |
| Q1 2026 | $4.87B | $4.35B | $3.92B | $469.5M | $13.7M | 1.13% | 4.11% | 0.87% |
| Q4 2025 | $4.84B | $4.32B | $3.92B | $462.1M | $47.1M | 1.01% | 3.70% | 1.06% |
| Q3 2025 | $4.79B | $4.30B | $3.83B | $449.1M | $36.6M | 1.06% | 3.63% | 1.17% |
| Q2 2025 | $4.60B | $4.10B | $3.73B | $437.2M | $24.6M | 1.08% | 3.62% | 1.08% |
| Q1 2025 | $4.60B | $4.14B | $3.58B | $421.5M | $12.9M | 1.15% | 3.56% | 0.84% |
| Q4 2024 | $4.44B | $3.94B | $3.58B | $404.9M | $29.9M | 0.70% | 3.25% | 0.41% |
| Q3 2024 | $4.37B | $3.88B | $3.47B | $403.9M | $19.3M | 0.61% | 3.21% | 0.42% |
Loan mix (Q2 2026): real estate $2.30B · commercial $1.08B · consumer $160.5M · securities $576.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Dacotah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 59.0% | 61th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Dacotah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Dacotah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Dacotah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Dacotah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.