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Dacotah Bank
Aberdeen, SD·FDIC Cert #17437·Charter: STATE·Est. 19550430.0·HC: DACOTAH BANKS INC
Total Assets
$4.8B
Q4 2025
Return on Assets
1.01%
-0.05%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.81%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%-0.05
ROE
10.82%-0.58
Efficiency
66.81%+0.93
Equity/Assets
0.00%+0.00
NPL Ratio
1.30%-0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.80%+1.72
Charge-offs
0.06%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.6 | 0.6 | 0.7 | 1.1 | 1.1 | 1.1 | 1.0 |
| ROE | 5.4 | 6.1 | 6.7 | 7.7 | 12.5 | 11.7 | 11.4 | 10.8 |
| Efficiency | 82.2 | 78.9 | 76.6 | 74.4 | 65.6 | 66.0 | 65.9 | 66.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.5 | 0.5 | 1.1 | 1.3 | 1.5 | 1.3 |
| Charge-offs | -0.0 | 0.0 | -0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 84.0 | 91.1 | 89.4 | 90.9 | 86.6 | 91.0 | 89.1 | 90.8 |
Balance Sheet
Total Assets$4.8B
Total Deposits$4.3B
Total Loans$3.9B
Total Equity$462.1M
Profitability
ROA1.01%
ROE10.82%
Efficiency Ratio66.81%
Net Income$47.1M
Risk & Asset Quality
NPL Ratio1.30%
Charge-off Rate0.06%
Loan/Deposit90.80%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans