Reliabank Dakota (FDIC #16221): Bank Stress & Real-Estate Credit Exposure
Reliabank Dakota (FDIC Cert #16221): bank stress 69/100, elevated, STABLE over 7 days; parent BIG SIOUX FINANCIAL INC.
Reliabank Dakota (#16221) lends in 4 counties across 1 state; Reliabank Dakota (#16221) reaches 51 ZIP codes: South Dakota 4 counties, 51 ZIPs.
Reliabank Dakota (#16221) largest markets: Minnehaha County, SD (69 branches, 23 ZIPs) (#16221), Hamlin County, SD (36 branches, 12 ZIPs) (#16221), Lincoln County, SD (24 branches, 12 ZIPs) (#16221), Codington County, SD (20 branches, 10 ZIPs) (#16221).
Reliabank Dakota (#16221) reports $788.4 million in total assets; Reliabank Dakota (#16221) equity $64.5 million (8.2% of Reliabank Dakota (#16221) assets); Reliabank Dakota (#16221) domestic deposits $663.6 million; Reliabank Dakota (#16221) net income $5.3 million; Reliabank Dakota (#16221) return on assets 1.37%; Reliabank Dakota (#16221) return on equity 17.28%; Reliabank Dakota (#16221) net interest income $12.3 million; Reliabank Dakota (#16221) call report June 30, 2026.
Reliabank Dakota (#16221) noncurrent real-estate loans: none reported; Reliabank Dakota (#16221) net charge-offs on real estate 0.15%; Reliabank Dakota (#16221) residential charge-offs 0.06%.
Reliabank Dakota (#16221) net interest margin 3.32% against an eight-quarter Reliabank Dakota (#16221) average of 2.72% (Reliabank Dakota (#16221) compression -0.60 points); Reliabank Dakota (#16221) non-residential real estate 5.6% of equity; Reliabank Dakota (#16221) rate-exposure score 40/100, Reliabank Dakota (#16221) fixed-rate trap 40/100; Reliabank Dakota (#16221) risk type credit driven; Reliabank Dakota (#16221) rate regime rates elevated, Reliabank Dakota (#16221) snapshot October 19, 2026.
Reliabank Dakota (#16221) stress score moved from 71.4 on June 22, 2026 to 69.5 on October 19, 2026; Reliabank Dakota (#16221) ranged 69.5 to 71.4 over 116 snapshots.
Reliabank Dakota (#16221) alerts: 4 counties; top Reliabank Dakota (#16221) alert scores: Hazel County, SD 24 (low); Humboldt County, SD 24 (low); Tea County, SD 24 (low); Watertown County, SD 24 (low).