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Dakota Community Bank & Trust, National Association

Hebron, ND · Cert 15728 · Dakota Community Banshares Inc.

National charter · OCC · 13 branches

Q2 2026

$1.4BAssets
$841.6MLoans
$1.2BDeposits
$119.1MEquity
Loan mix
83%RE $514.1M14%C&I $85.4M3%Consumer $17.7MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $1.1B8%Noninterest $0.1BQ2 2025Q2 2026

NIM

4.55%Q2 ’244.76%Q2 ’254.97%Q2 ’26+8%+11%

Non-interest income vs. expense

2.04%Q2 ’242.02%Q2 ’252.07%Q2 ’26-1%+3%

Market Position · Bismarck, ND · 2026 SOD (annual) · 10.7% share · #2 of 18 inst. · $0.7B of $6.9B

7.9% Burleigh
18.0% Stark
23.3% Morton
19.7% Bowman

Executive Summary

  • Earnings: ROA of 1.49%, up 20 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.08% of loans (+3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.07%, up 55 bps from a year ago.
  • Funding: loans stand at 67.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.49%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+33 bps YoY

Efficiency Ratio (quarter, annualized)

52.04%-336 bps YoY

Tier 1 Leverage Ratio

9.07%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.41%1.57%1.39%1.49%+20 bps
Return on Equity18.25%19.03%20.08%17.60%17.97%-28 bps
Net Interest Margin3.07%3.20%3.23%3.23%3.40%+33 bps
Efficiency Ratio55.40%52.64%52.07%52.05%52.04%-336 bps
Non-Interest Burden1.45%1.41%1.25%1.43%1.49%+4 bps
Growth
Asset Growth (YoY)4.51%8.04%9.66%6.44%7.76%+326 bps
Loan Growth (YoY)7.26%6.44%10.25%10.45%13.24%+598 bps
Deposit Growth (YoY)4.23%7.23%7.91%5.32%6.01%+178 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.09%0.09%0.08%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.01%-0.01%0.01%+1 bps
Allowance / Loans1.30%1.29%1.26%1.23%1.16%-13 bps
Allowance Coverage of NPLs23.8x13.8x14.4x13.8x14.2x-9.6x
Capital
Tier 1 Leverage Ratio8.52%8.73%8.51%8.93%9.07%+55 bps
Total Risk-Based Capital14.46%14.78%14.58%14.92%14.36%-10 bps
Equity / Assets7.07%7.76%7.86%7.97%8.58%+151 bps
Liquidity & Funding
Loans / Deposits63.50%62.99%61.42%63.75%67.82%+433 bps
Liquid Assets / Assets7.65%7.61%7.65%7.04%4.84%-281 bps
CRE / Total Capitaln/a144.04%159.63%159.62%n/an/a