Reliabank Dakota is a state-chartered bank headquartered in Estelline, South Dakota, in business for about 106 years. At the end of Q2 2026 it reported $788.4M in total assets and $663.6M in deposits, with 10 offices.
Based on its Q2 2026 filing, Reliabank Dakota scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 32nd. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is funding & liquidity (48/100; 79% loans-to-deposits, 45% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (61 → 71), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 58 |
| Q1 2025 | 59 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 67 |
| Q1 2026 | 70 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.77% |
| Q3 2024 | 8.85% |
| Q4 2024 | 8.95% |
| Q1 2025 | 9.36% |
| Q2 2025 | 9.84% |
| Q3 2025 | 10.10% |
| Q4 2025 | 10.14% |
| Q1 2026 | 10.41% |
| Q2 2026 | 10.49% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.87% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $788.4M | 10.49% | 0.26% | 1.37% | 79.1% |
| Q1 2026 | 70 | $757.8M | 10.41% | 0.27% | 1.25% | 79.5% |
| Q4 2025 | 67 | $771.5M | 10.14% | 0.38% | 1.06% | 76.6% |
| Q3 2025 | 63 | $746.7M | 10.10% | 0.65% | 0.87% | 79.0% |
| Q2 2025 | 61 | $740.6M | 9.84% | 0.66% | 0.76% | 75.9% |
| Q1 2025 | 59 | $746.7M | 9.36% | 0.66% | 0.54% | 73.1% |
| Q4 2024 | 58 | $789.6M | 8.95% | 0.55% | 0.48% | 70.9% |
| Q3 2024 | 56 | $791.0M | 8.85% | 0.59% | 0.39% | 72.9% |
| Q2 2024 | 55 | $785.0M | 8.77% | 0.61% | 0.36% | 73.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Fidelity BankBank Burke, SD | 75 out of 100, Strong | $717.0M | 9.4% | 0.39% | vs |
| Security Savings BankBank Canton, SD | 69 out of 100, Moderate | $557.4M | 9.4% | 0.09% | vs |
| Black Hills Community Bank, N.A.Bank Rapid City, SD | 81 out of 100, Strong | $489.7M | 12.4% | 0.00% | vs |
| First National BankBank Oldham, SD | 77 out of 100, Strong | $477.8M | 18.4% | 2.01% | vs |
| First National Bank in PhilipBank Philip, SD | 87 out of 100, Very strong | $458.4M | 12.1% | 0.00% | vs |
| BankStar FinancialBank Elkton, SD | 71 out of 100, Strong | $363.5M | 9.4% | 0.14% | vs |
Deposit insurance
Is my money safe at Reliabank Dakota?
Yes. Reliabank Dakota is an FDIC-insured institution (FDIC certificate #16221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.7% of deposits ($296.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.82% (benchmark: 10%).
10 locations
Branches
Reliabank Dakota lists 10 offices in 9 cities. Most locations:
- Watertown, SD (2)
- Colton, SD (1)
- Estelline, SD (1)
- Hartford, SD (1)
- Hayti, SD (1)
- Hazel, SD (1)
- Humboldt, SD (1)
- Sioux Falls, SD (1)
- Tea, SD (1)
HMDA 2025
Mortgage lending
In 2025, Reliabank Dakota reported 216 home-loan applications under HMDA (LEI 549300KCR7QWQQCWBG94): 163 originated ($53,745,000 total), 13 denied, and 40 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Reliabank Dakota
- Former names
- The Farmers State Bank of Estelline
- Type
- State-chartered bank
- FDIC certificate #
- 16221
- RSSD ID
- 108951
- Primary regulator
- FDIC
- Holding company
- Big Sioux Financial Inc
- Established
- September 1, 1920
- Headquarters
- 211 Main St N, Estelline, SD 57234
- Website
- www.reliabank.com
- Employees
- 75
Quick answers
Reliabank Dakota: common questions
Is Reliabank Dakota FDIC insured?
Yes. Reliabank Dakota is an FDIC-insured institution (FDIC certificate #16221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Reliabank Dakota's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Reliabank Dakota ever failed?
There is no failure record for FDIC certificate #16221 in the FDIC failed bank list.
How many branches does Reliabank Dakota have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Estelline
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Richland State BankBank Bruce, SD | 90 out of 100, Very strong | $49.6M | 12.3% | 0.15% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| Citizens State Bank, of ArlingtonBank Arlington, SD | 82 out of 100, Strong | $153.2M | 11.7% | 0.00% | vs |
| Dnb National BankBank Clear Lake, SD | 79 out of 100, Strong | $124.1M | 8.9% | 0.00% | vs |
| Dakotaland Federal Credit UnionCredit union Huron, SD | 76 out of 100, Strong | $751.6M | 10.9% | 0.57% | vs |
| BankStar FinancialBank Elkton, SD | 71 out of 100, Strong | $363.5M | 9.4% | 0.14% | vs |