Reliabank Dakota
Estelline, SD
IDRSSD: 108951
Total Assets
$771.54M
Latest filing
Total Deposits
$635.79M
Latest filing
Net Interest Margin
3.24%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Reliabank Dakota
211 Main St N
Estelline, SD 57234
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/01/1920FDIC Certificate 10420
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Reliabank Dakota (Main) | 211 Main St N | Estelline, SD |
| HAZEL BRANCH | 11 W William St | Hazel, SD |
| HUMBOLDT BRANCH | 1003 W 2nd Ave | Humboldt, SD |
| TEA BRANCH | 720 E Kevin Dr | Tea, SD |
| WATERTOWN BRANCH | 1401 4th St Ne | Watertown, SD |
| HAYTI BRANCH | 117 Main Avenue | Hayti, SD |
| WATERTOWN SW BRANCH | 830 10th St Sw | Watertown, SD |
| HARTFORD BRANCH | 304 W Sd Highway 38 | Hartford, SD |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/01/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57234 |
| State and County Number | 46057 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Watertown, SD |
Operational Info
| Number of Employees | 79 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/02/1945 |
| Primary Insurance Agency | DIF |
| Website | www.reliabank.com |
| Data Updated | 01/30/2026 |
| CERT | 16221 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $771.54M |
| Total Deposits | $635.79M |
| Total Liabilities | $711.99M |
| Total Equity Capital | $59.55M |
| Net Income | $3.12M |
| Net Loans and Leases | $487.30M |
| Assets Per Employee ($Millions) | $10.29M |
| Bank Premises and Fixed Assets | $8.66M |
| Cash and Balances due from Depository Institutions | $16.09M |
| Deposits Held in Domestic Offices | $635.79M |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 21.68% |
| Net Interest Margin | 3.24% |
| Efficiency Ratio | 57.32% |
| Tier 1 Risk-Based Capital Ratio | 14.544% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.718% |
| Earning Assets to total Assets | 95% |
Income and Expense
| Total Interest Income | $9.84M |
| Total Noninterest Income | $1.37M |
| Total Interest Expense | $3.98M |
| Total Noninterest Expense | $4.15M |
| Net Interest Income | $5.87M |
| Pre-tax Net Operating Income | $3.24M |
| Provision for Credit Losses | $-150,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $71.38M |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.31M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.82M |
| Total Liabilities and Capital | $771.54M |
Securities
| Securities | $231.20M |
| Available-for-sale debt securities | $230.79M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Reliabank Dakota?
$771.54M as of the latest filing.
How much are Reliabank Dakota's total deposits?
$635.79M in total deposits.
Where is Reliabank Dakota located?
Estelline, SD.
What is the Net Interest Margin?
3.24%.
How many domestic offices does it operate?
10.
When was it established?
09/01/1920.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$487.30M (latest filing).
What is the total interest income (latest filing)?
$9.84M.