Reliabank Dakota: Bank Stress & Real-Estate Credit Exposure

Bank stress at Reliabank Dakota (FDIC Cert #16221) registers 69/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps Reliabank Dakota into 4 counties (51 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in South Dakota (4 counties). Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Minnehaha County, SD, Hamlin County, SD, Lincoln County, SD, Codington County, SD, among others DLRadar tracks parcel by parcel. What separates this from a plain credit rating is the geographic weighting — Reliabank Dakota's 69/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. A elevated score on a footprint this size means the markets Reliabank Dakota touches inherit a corresponding share of that lending pressure. The value is in the linkage: Reliabank Dakota's elevated reading is mapped onto 51 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Reliabank Dakota is held under Big Sioux Financial Inc, so its disclosures are public and its stress trajectory is externally verifiable. The Reliabank Dakota score updates as fresh FDIC call reports post each quarter, so its 69/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Reliabank Dakota is directly comparable to any lender in the country.

For buyers, lender stress is an early map of supply: when Reliabank Dakota pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.