Dacotah Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Dacotah Bank (FDIC Cert #17437) at 70/100 for bank stress — a elevated level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its footprint is mid-sized and regionally concentrated: 372 ZIP codes in 25 counties over 3 states. Its heaviest exposure sits in South Dakota (14 counties), North Dakota (9 counties), Minnesota (2 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Dacotah Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. No bank is too small to score the same way: Dacotah Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 25-county, 372-ZIP profile means exactly what it would for any institution nationwide. A elevated score on a footprint this size means the markets Dacotah Bank touches inherit a corresponding share of that lending pressure. Its lending reaches counties such as Hennepin County, MN, Cass County, ND, Ward County, ND, Minnehaha County, SD, each tied back to DLRadar's distress signals. Dacotah Bank is held under Dacotah Banks Inc, so its disclosures are public and its stress trajectory is externally verifiable. The value is in the linkage: Dacotah Bank's elevated reading is mapped onto 372 ZIP codes and 25 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

For buyers, lender stress is an early map of supply: when Dacotah Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.