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211 North Main Street
Estelline, SD 57234

Reliabank Dakota is headquartered in Estelline and is the 23rd largest bank in the state of South Dakota. It is also the 2,457th largest bank in the nation. It was established in 1920 and as of March of 2014, it had grown to 50 employees at 8 locations. Reliabank Dakota has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Reliabank Dakota had $789,000 in non-current loans and owned real-estate with $25.38 million in equity and loan loss allowances on hand to cover it. This gives Reliabank Dakota a Texas Ratio of 3.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Reliabank Dakota decreased dramatically from 5.52% as of March 31, 2013 to 3.11% as of March 31, 2014, resulting in a positive change of 43.67%.This indicates that the balance sheet and financial strength for Reliabank Dakota has improved dramatically in recent periods.

Deposit Growth


In the past year, Reliabank Dakota has increased its total deposits by $17.08 million, resulting in 8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Reliabank Dakota has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Reliabank Dakota has $262.56 million in assets with $25.38 million in equity, resulting in a capitalization level of 9.67%, which is above average.

Institution Statistics

FDIC Certificate #16221
Year Established1920
Primary RegulatorFDIC
Assets and Liabilities
Assets$262.56 million
Loans$165.39 million
Deposits$230.50 million
Equity Capital$23.77 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$222,000
Real Estate Owned$567,000
Historic Data - March 2013
Assets$243.73 million
Equity Capital$22.97 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$222,000
Real Estate Owned$637,000
Profit Margin - Quarterly
Net Interest Margin3.71%
Return on Assets0.96%
Return on Equity10.56%
Interest Income$2.59 million
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Reliabank Dakota Savings Account Rates

0.35%--Kid Club Special
0.10%--Kids Savings
0.10%--Passbook Savings
0.10%--Super Eagles Club

Reliabank Dakota Money Market Rates

0.30%$200k-Money Market Savings

Reliabank Dakota Checking Account Rates

0.77%-$25kUltimate Checking - Qualifying
0.05%--Ultimate Checking - Non Qualifying

Reliabank Dakota Locations
Humboldt Branch1003 West 2nd AvenueHumboldt, SD 57035
Hayti Branch114 Main AveHayti, SD 57241
Watertown Branch1401 4th St NeWatertown, SD 57201
Reliabank Dakota211 North Main StreetEstelline, SD 57234
Hartford Branch304 West Highway 38, Suite 142Hartford, SD 57033
Tea Branch720 Kevin DriveTea, SD 57064
Watertown Sw Branch830 10th Street, S.W.Watertown, SD 57201
Hazel BranchMain StreetHazel, SD 57242