| Metric | Reliabank Dakota | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +7.6% | +4.3% | +3.2 pts |
| Loan growth (YoY) | +12.1% | +5.3% | +6.7 pts |
| ROA | 1.37% | 1.28% | +0.1 pts |
| ROE | 17.3% | 12.4% | +4.8 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $788.4M | $663.6M | $525.2M | $64.5M | $5.3M | 1.37% | 3.32% | 0.18% |
| Q1 2026 | $757.8M | $638.1M | $507.2M | $60.3M | $2.4M | 1.25% | 3.27% | 0.18% |
| Q4 2025 | $771.5M | $635.8M | $487.3M | $59.6M | $8.1M | 1.06% | 2.91% | 0.24% |
| Q3 2025 | $746.7M | $608.6M | $480.9M | $55.4M | $5.0M | 0.87% | 2.81% | 0.42% |
| Q2 2025 | $740.6M | $616.9M | $468.5M | $47.2M | $2.9M | 0.76% | 2.69% | 0.42% |
| Q1 2025 | $746.7M | $622.4M | $454.9M | $48.1M | $1.0M | 0.54% | 2.48% | 0.40% |
| Q4 2024 | $789.6M | $654.6M | $464.0M | $46.1M | $3.8M | 0.48% | 2.18% | 0.33% |
| Q3 2024 | $791.0M | $649.6M | $473.8M | $49.9M | $2.3M | 0.39% | 2.12% | 0.36% |
Loan mix (Q2 2026): real estate $319.5M · commercial $109.3M · consumer $4.4M · securities $217.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Reliabank Dakota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 61.2% | 43th |
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 | Reliabank Dakota | 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 | Reliabank Dakota | 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 | Reliabank Dakota | 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 | Reliabank Dakota | 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.