Dakota Heritage Bank
Hunter, ND · Cert 16231 · Peer group: banks under $1B in assets operating regionally (n=94) · Hunter Holding Co.
State charter, non-member · FDIC · 11 branches
Q2 2026
$416.8MAssets
$346.9MLoans
$366.8MDeposits
$38.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets operating regionally (rank 5 of 94).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets operating regionally (rank 81 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.59%
Rank 12 of 94
Net Interest Margin
3.81%
Rank 47 of 94
Efficiency Ratio
47.81%
Rank 9 of 94
Equity / Assets
9.21%
Rank 68 of 94
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 91% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.82% | 1.19% | 1.46% | Beats 87% | 12 / 94 | | |
| Return on Equity | 17.29% | 7.85% | 11.84% | 14.03% | Beats 95% | 5 / 94 | | |
| Net Interest Margin | 3.81% | 3.42% | 3.81% | 4.18% | Beats 50% | 47 / 94 | | |
| Efficiency Ratio | 47.81% | 55.99% | 62.41% | 73.02% | Beats 91% | 9 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.19% | 0.47% | 1.14% | Beats 14% | 82 / 94 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 53% | 45 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 9.83% | 10.28% | 11.95% | 15.07% | Beats 16% | 79 / 94 | | |
| Total Risk-Based Capital Ratio | 9.83% | 10.31% | 12.59% | 15.88% | Beats 14% | 81 / 94 | | |
| Equity / Assets | 9.21% | 8.98% | 10.21% | 11.41% | Beats 28% | 68 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.55% | 72.62% | 84.44% | 94.55% | 74th pctl | 24 / 94 | | |
| Loans / Assets | 83.23% | 62.50% | 72.84% | 78.99% | 83rd pctl | 16 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |