Sunrise Bank Dakota
Onida, South Dakota · FDIC Cert #15847
This is the FDIC profile for Sunrise Bank Dakota, an FDIC-insured bank (Certificate #15847) with $64M in total assets and $58M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Onida, South Dakota, the bank maintains a Tier 1 capital ratio of 11.13% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sunrise Bank Dakota (FDIC cert 15847) is a community bank — $64M in total assets, $58M in deposits, serving the Onida, South Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.13% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 61.9% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -1.03% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Sunrise Bank Dakota carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Sunrise Bank Dakota
- Total Assets
- $64M
- Total Deposits
- $58M
- Tier 1 Capital Ratio
- 11.13%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 61.89%
- Return on Assets
- -1.03%
- Headquarters
- Onida, South Dakota
- FDIC Certificate
- #15847
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Sunrise Bank Dakota files quarterly Call Reports with the FDIC under Certificate #15847. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Sunrise Bank Dakota holds a Tier 1 capital ratio of 11.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sunrise Bank Dakota has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sunrise Bank Dakota shows strong financial health indicators. With $64M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Sunrise Bank Dakota Compares
Sunrise Bank Dakota’s Health Score of 80 is 4 points below the South Dakota state average of 84 across 47 FDIC-insured banks. Its 11.13% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -1.03% is below the national ROA benchmark of ~1.1%. Among 710 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Sunrise Bank Dakota has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.13%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Sunrise Bank Dakota's Tier 1 capital ratio of 11.13% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Sunrise Bank Dakota is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15847). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Sunrise Bank Dakota holds $64M in total assets and $58M in total deposits. It is headquartered in Onida, South Dakota (FDIC Certificate #15847).
Sunrise Bank Dakota's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #15847 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Sunrise Bank Dakota has a Tier 1 capital ratio of 11.13%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is -1.03%.
Yes. Sunrise Bank Dakota is FDIC-insured (Certificate #15847). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sunrise Bank Dakota's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.