Dakota Community Bank & Trust, National Association
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
$1.4BAssets
$841.6MLoans
$1.2BDeposits
$119.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: equity / assets trails 84% of banks $1B-$10B in assets operating regionally (rank 147 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.3M · efficiency ratio beats 77% of banks $1B-$10B in assets operating regionally | 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 |