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Cortrust Bank National Association
Mitchell, SD · FDIC Certificate #6063 · Chartered 10/3
Total assets
$1.56B
Total deposits
$1.38B
Total equity
$138.86M
Net loans
$1.00B
Branches (offices)
37
Net income (YTD)
$2.98M
Rank: #718 of 4,213 U.S. banks by assets · #15 of 56 in South Dakota. Assets changed 3.4% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.38% |
| Return on equity | 4.31% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 8.88% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 20.8% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.72% |
| Loans to deposits | 72.9% |
| Real estate loans (share of loans) | 78.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $783.46M | 78.1% | |
| Commercial & industrial | $172.77M | 17.2% | |
| Consumer / individual | $28.95M | 2.9% | |
| Construction & development | $71.71M | 7.2% | |
| Agricultural | $28.59M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.45B | $5.05M | $105.72M |
| Jun 2023 | $1.59B | $1.36B | $3.05M | $112.51M |
| Jun 2024 | $1.53B | $1.29B | $1.26M | $119.09M |
| Jun 2025 | $1.51B | $1.27B | $3.29M | $130.93M |
| Jun 2026 | $1.56B | $1.38B | $2.98M | $138.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $937.48M | 22 |
| Minnesota | $438.16M | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.38B.
Similar-sized banks
First Keystone Community Bank ($1.57B) · Sterling Bank ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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