Dacotah Bank (FDIC #17437): Bank Stress & Real-Estate Credit Exposure

Dacotah Bank (FDIC Cert #17437): bank stress 70/100, elevated, STABLE over 7 days; parent DACOTAH BANKS INC.

Dacotah Bank (#17437) lends in 25 counties across 3 states; Dacotah Bank (#17437) reaches 372 ZIP codes: South Dakota 14 counties, 161 ZIPs; North Dakota 9 counties, 132 ZIPs; Minnesota 2 counties, 81 ZIPs.

Dacotah Bank (#17437) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#17437), Cass County, ND (30 branches, 30 ZIPs) (#17437), Ward County, ND (24 branches, 24 ZIPs) (#17437), Minnehaha County, SD (69 branches, 23 ZIPs) (#17437), Stutsman County, ND (21 branches, 21 ZIPs) (#17437), Brown County, SD (60 branches, 20 ZIPs) (#17437).

Dacotah Bank (#17437) reports $4.92 billion in total assets; Dacotah Bank (#17437) equity $481.0 million (9.8% of Dacotah Bank (#17437) assets); Dacotah Bank (#17437) domestic deposits $4.35 billion; Dacotah Bank (#17437) net income $26.5 million; Dacotah Bank (#17437) return on assets 1.09%; Dacotah Bank (#17437) return on equity 11.27%; Dacotah Bank (#17437) net interest income $93.5 million; Dacotah Bank (#17437) call report June 30, 2026.

Dacotah Bank (#17437) noncurrent real-estate loans: none reported; Dacotah Bank (#17437) multifamily 0.02%; Dacotah Bank (#17437) net charge-offs on real estate 1.59%; Dacotah Bank (#17437) residential charge-offs 0.30%.

Dacotah Bank (#17437) net interest margin 4.09% against an eight-quarter Dacotah Bank (#17437) average of 3.65% (Dacotah Bank (#17437) compression -0.44 points); Dacotah Bank (#17437) real-estate loans 0.1% of equity; Dacotah Bank (#17437) non-residential real estate 30.3% of equity; Dacotah Bank (#17437) rate-exposure score 40/100, Dacotah Bank (#17437) fixed-rate trap 40/100; Dacotah Bank (#17437) risk type credit driven; Dacotah Bank (#17437) rate regime rates elevated, Dacotah Bank (#17437) snapshot October 19, 2026.

Dacotah Bank (#17437) stress score moved from 67.7 on June 22, 2026 to 69.6 on October 19, 2026; Dacotah Bank (#17437) ranged 67.7 to 69.6 over 116 snapshots.

Dacotah Bank (#17437) alerts: 24 counties; top Dacotah Bank (#17437) alert scores: Brookings County, SD 42 (moderate); Custer County, SD 38 (moderate); Bismarck County, SD 23 (low); Bowbells County, SD 23 (low); Dickinson County, SD 23 (low).