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DNB National Bank

Clear Lake, SD · Cert 3977 · DCNB Holding Co.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

DNB National Bank

Clear Lake, SD · Cert 3977 · DCNB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$124.1MAssets
$30.6MLoans
$114.3MDeposits
$7.7MEquity
Loan mix
58%RE $13.9M34%C&I $8.1M7%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $83.0M27%Noninterest $31.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.65%, up 37 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.89%, down 50 bps from a year ago.
  • Funding: loans stand at 26.77% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.65%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+32 bps YoY

Efficiency Ratio (YTD, annualized)

54.52%-692 bps YoY

Tier 1 Leverage Ratio

8.89%-50 bps YoY

NIM

3.42%Q2 ’243.72%Q2 ’253.88%Q2 ’26+23%+13%

Non-interest income vs. expense

2.34%Q2 ’242.58%Q2 ’252.47%Q2 ’26+21%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.91%1.26%1.28%1.23%1.15%1.72%1.65%+37 bps
Return on Equity19.65%17.80%21.92%22.03%20.55%18.59%25.94%25.45%+342 bps
Net Interest Margin2.08%2.14%2.48%2.57%2.60%2.61%2.94%2.90%+32 bps
Efficiency Ratio65.51%68.42%62.41%61.45%62.68%65.39%52.94%54.52%-692 bps
Non-Interest Burden0.84%0.99%0.89%0.95%1.04%1.18%0.74%0.83%-12 bps
Growth
Asset Growth (YoY)1.53%0.86%3.15%5.03%6.28%6.48%9.09%7.33%+231 bps
Loan Growth (YoY)2.39%-4.23%-4.59%-1.42%7.72%12.30%3.55%3.17%+458 bps
Deposit Growth (YoY)4.46%-2.75%2.07%8.64%5.63%6.68%8.33%6.99%-165 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.11%0.11%0.07%0.00%0.00%0.00%0.00%-7 bps
Net Charge-Offs / Loans0.04%0.03%-0.11%0.03%0.09%0.07%0.00%0.00%-3 bps
Allowance / Loans1.60%1.63%1.68%1.55%1.42%1.45%1.59%1.52%-3 bps
Allowance Coverage of NPLs14.1x14.6x14.8x23.1xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.31%9.45%9.35%9.39%9.66%9.60%9.26%8.89%-50 bps
Total Risk-Based Capital22.90%23.46%23.53%23.01%22.93%23.25%23.74%22.98%-4 bps
Equity / Assets5.45%5.63%5.86%5.96%6.53%6.96%6.32%6.24%+28 bps
Liquidity & Funding
Loans / Deposits29.08%28.77%27.83%27.76%29.66%30.29%26.60%26.77%-99 bps
Liquid Assets / Assets58.63%57.25%54.96%52.08%49.23%47.00%47.69%46.29%-579 bps
CRE / Total Capitaln/an/an/an/a22.81%35.03%38.47%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

DNB National Bank

Clear Lake, SD · Cert 3977 · Peer group: banks under $1B in assets (n=581-629) · DCNB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$124.1MAssets
$30.6MLoans
$114.3MDeposits
$7.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 616 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.60%

Rank 130 of 629

Net Interest Margin

2.90%

Rank 504 of 629

Efficiency Ratio

54.52%

Rank 115 of 629

Equity / Assets

6.24%

Rank 616 of 629

Non-interest income vs. expense

$2.0M$3.0MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 82% of banks under $1B in assets
Bank 54.52%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.60%0.60%1.01%1.45%Beats 79%130 / 629
Return on Equity25.68%5.38%9.30%13.28%Beats 97%21 / 629
Net Interest Margin2.90%3.03%3.54%4.05%Beats 20%504 / 629
Efficiency Ratio54.52%58.35%67.79%79.08%Beats 82%115 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio22.04%11.24%13.84%18.77%Beats 81%121 / 629
Total Risk-Based Capital Ratio22.98%11.58%14.43%19.66%Beats 81%119 / 629
Equity / Assets6.24%9.09%10.65%13.80%Beats 2%616 / 629
Liquidity & Funding
Loans / Deposits26.77%67.24%80.90%93.48%3rd pctl575 / 594
Loans / Assets24.66%53.31%67.71%78.15%9th pctl570 / 629
Brokered Deposits / Depositsn/aNot reported for this institution