Hebron, ND · Cert 15728 · Dakota Community Banshares Inc.
National charter · OCC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
92
Profitability
62
Liquidity
0
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hebron, ND · Cert 15728 · Dakota Community Banshares Inc.
National charter · OCC · 13 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 10.7% share · #2 of 18 inst. · $0.7B of $6.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.12% | 1.07% | 1.18% | 1.26% | 1.34% | 1.39% | 1.44% | +26 bps | |
| Return on Equity | 15.19% | 16.29% | 15.33% | 16.90% | 17.47% | 18.23% | 17.60% | 17.68% | +78 bps | |
| Net Interest Margin | 2.82% | 2.78% | 2.82% | 2.91% | 2.99% | 2.96% | 3.23% | 3.31% | +40 bps | |
| Efficiency Ratio | 59.66% | 58.55% | 59.40% | 57.29% | 55.64% | 54.61% | 52.05% | 52.04% | -524 bps | |
| Non-Interest Burden | 1.47% | 1.37% | 1.47% | 1.44% | 1.42% | 1.34% | 1.43% | 1.46% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | -0.12% | 3.03% | 4.51% | 8.04% | 9.66% | 6.44% | 7.76% | +326 bps | |
| Loan Growth (YoY) | 8.05% | 8.36% | 8.41% | 7.26% | 6.44% | 10.25% | 10.45% | 13.24% | +598 bps | |
| Deposit Growth (YoY) | -1.41% | -0.43% | 2.55% | 4.23% | 7.23% | 7.91% | 5.32% | 6.01% | +178 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.06% | 0.05% | 0.09% | 0.09% | 0.09% | 0.08% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.33% | 1.30% | 1.29% | 1.26% | 1.23% | 1.16% | -13 bps | |
| Allowance Coverage of NPLs | 24.7x | 27.4x | 22.4x | 23.8x | 13.8x | 14.4x | 13.8x | 14.2x | -9.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.42% | 8.70% | 8.52% | 8.73% | 8.51% | 8.93% | 9.07% | +55 bps | |
| Total Risk-Based Capital | 14.54% | 14.65% | 14.80% | 14.46% | 14.78% | 14.58% | 14.92% | 14.36% | -10 bps | |
| Equity / Assets | 7.59% | 6.83% | 7.08% | 7.07% | 7.76% | 7.86% | 7.97% | 8.58% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.46% | 60.12% | 60.79% | 63.50% | 62.99% | 61.42% | 63.75% | 67.82% | +433 bps | |
| Liquid Assets / Assets | 5.57% | 8.10% | 9.66% | 7.65% | 7.61% | 7.65% | 7.04% | 4.84% | -281 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 144.04% | 159.63% | 159.62% | n/a | n/a | |
Hebron, ND · Cert 15728 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Dakota Community Banshares Inc.
National charter · OCC · 13 branches
Q2 2026
Return on Assets
1.44%
Rank 56 of 176
Net Interest Margin
3.31%
Rank 127 of 176
Efficiency Ratio
52.04%
Rank 42 of 176
Equity / Assets
8.58%
Rank 147 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.93% | 1.26% | 1.54% | Beats 68% | 56 / 176 | ||
| Return on Equity | 16.80% | 9.26% | 11.89% | 14.46% | Beats 89% | 19 / 176 | ||
| Net Interest Margin | 3.31% | 3.25% | 3.59% | 3.93% | Beats 28% | 127 / 176 | ||
| Efficiency Ratio | 52.04% | 52.79% | 59.55% | 67.66% | Beats 77% | 42 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.30% | 0.64% | 1.32% | Beats 95% | 10 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 88% | 22 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.32% | 11.15% | 12.72% | 14.15% | Beats 62% | 67 / 176 | ||
| Total Risk-Based Capital Ratio | 14.36% | 11.81% | 13.63% | 15.33% | Beats 63% | 66 / 176 | ||
| Equity / Assets | 8.58% | 9.16% | 10.35% | 11.80% | Beats 16% | 147 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.82% | 80.94% | 89.73% | 97.21% | 5th pctl | 167 / 176 | ||
| Loans / Assets | 60.62% | 69.25% | 75.12% | 80.82% | 7th pctl | 163 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||