Dakota Heritage Bank
Hunter, ND · Cert 16231 · Peer group: banks under $1B in assets operating regionally (n=99) · 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 99).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets operating regionally (rank 87 of 99).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.59%
Rank 14 of 99
Net Interest Margin
3.81%
Rank 49 of 99
Efficiency Ratio
47.81%
Rank 12 of 99
Equity / Assets
9.21%
Rank 70 of 99
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 89% 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% | 1.48% | Beats 86% | 14 / 99 | | |
| Return on Equity | 17.29% | 7.92% | 11.87% | 14.08% | Beats 95% | 5 / 99 | | |
| Net Interest Margin | 3.81% | 3.44% | 3.80% | 4.18% | Beats 51% | 49 / 99 | | |
| Efficiency Ratio | 47.81% | 55.83% | 62.41% | 73.02% | Beats 89% | 12 / 99 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.19% | 0.46% | 1.04% | Beats 13% | 87 / 99 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.06% | Beats 53% | 48 / 99 | | |
| Capital |
| Tier 1 Capital Ratio | 9.83% | 10.28% | 11.95% | 14.75% | Beats 16% | 83 / 99 | | |
| Total Risk-Based Capital Ratio | 9.83% | 10.45% | 12.59% | 15.64% | Beats 14% | 85 / 99 | | |
| Equity / Assets | 9.21% | 8.89% | 10.14% | 11.36% | Beats 29% | 70 / 99 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.55% | 74.57% | 84.03% | 94.55% | 75th pctl | 25 / 99 | | |
| Loans / Assets | 83.23% | 62.55% | 71.25% | 78.99% | 83rd pctl | 17 / 99 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |