A bank's ability to earn money has an effect on its long-term survivability. A bank can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, potentially making the bank better able to withstand economic trouble. However, banks that are losing money are less able to do those things.
Dakota Prairie Bank did above-average on Bankrate's test of earnings, achieving a score of 22 out of a possible 30.
One important measure of a bank's earnings is return on equity, or net income (profit, essentially) divided by total equity. The most recent annualized quarterly return on equity for Dakota Prairie Bank was 13.10 percent, above the national average of 8.10 percent.
The bank recorded net income of $1.2 million on total equity of $9.7 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 1.48 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.