State Bank of Lakota (FDIC certificate #16477) is based in Lakota, North Dakota. Its Q2 2026 call report shows $64.2M in total assets and $57.6M in deposits and 1 office.
State Bank of Lakota has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 31st. Problem-loan coverage contributes the most (94/100, 2.9%); capital cushion contributes the least (46/100, 9.58%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 72 |
| Q3 2025 | 65 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.13% |
| Q3 2024 | 10.21% |
| Q4 2024 | 9.19% |
| Q1 2025 | 9.52% |
| Q2 2025 | 9.45% |
| Q3 2025 | 9.47% |
| Q4 2025 | 9.27% |
| Q1 2026 | 9.47% |
| Q2 2026 | 9.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.40% |
| Q3 2025 | 1.25% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $64.2M | 9.58% | 0.49% | 1.07% | 66.9% |
| Q1 2026 | 74 | $66.3M | 9.47% | 0.45% | 1.41% | 58.8% |
| Q4 2025 | 71 | $66.9M | 9.27% | 0.50% | 1.26% | 65.8% |
| Q3 2025 | 65 | $69.7M | 9.47% | 1.25% | 1.19% | 60.7% |
| Q2 2025 | 72 | $64.2M | 9.45% | 0.40% | 1.11% | 65.7% |
| Q1 2025 | 74 | $67.0M | 9.52% | 0.31% | 1.16% | 60.8% |
| Q4 2024 | 73 | $73.0M | 9.19% | 0.23% | 1.27% | 58.5% |
| Q3 2024 | 74 | $61.0M | 10.21% | 0.50% | 1.43% | 73.3% |
| Q2 2024 | 75 | $62.9M | 10.13% | 0.57% | 1.45% | 65.5% |
546 peers · Under $100 million in assets
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 North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aspire BankBank Fargo, ND | 72 out of 100, Strong | $60.9M | 11.4% | 0.00% | vs |
| Peoples State BankBank Westhope, ND | 87 out of 100, Very strong | $69.9M | 13.5% | 0.00% | vs |
| Citizens State Bank of LankinBank Lankin, ND | 57 out of 100, Moderate | $72.1M | 10.1% | 1.58% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |
| Heartland State BankBank Edgeley, ND | 46 out of 100, Below average | $75.6M | 9.8% | 3.36% | vs |
| Bank of HazeltonBank Hazelton, ND | 72 out of 100, Strong | $75.8M | 11.1% | 1.01% | vs |
Deposit insurance
Is my money safe at State Bank of Lakota?
Yes. State Bank of Lakota is an FDIC-insured institution (FDIC certificate #16477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.8% of deposits ($6.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.58%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.66% (benchmark: 10%).
1 location
Branches
State Bank of Lakota lists 1 office in 1 city. Most locations:
- Lakota, ND (1)
Identity & history
Profile
- Legal name
- State Bank of Lakota
- Type
- State-chartered bank
- FDIC certificate #
- 16477
- RSSD ID
- 678258
- Primary regulator
- FDIC
- Holding company
- Lakota Bank Holding Co Inc
- Established
- January 1, 1900
- Headquarters
- 125 Main St N, Lakota, ND 58344
- Website
- www.statebankoflakota.com
- Employees
- 11
Quick answers
State Bank of Lakota: common questions
Is State Bank of Lakota FDIC insured?
Yes. State Bank of Lakota is an FDIC-insured institution (FDIC certificate #16477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Lakota'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 State Bank of Lakota ever failed?
There is no failure record for FDIC certificate #16477 in the FDIC failed bank list.
How many branches does State Bank of Lakota have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| Farmers & Merchants Bank of North DakotaBank Tolna, ND | 73 out of 100, Strong | $119.8M | 11.0% | 0.73% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| North Star Community Credit UnionCredit union Maddock, ND | 61 out of 100, Moderate | $464.8M | 14.3% | 2.87% | vs |