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
Unfavorable gap of $1.0M · efficiency ratio beats 82% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.60% | 1.01% | 1.45% | Beats 79% | 130 / 629 | |
| Return on Equity | 25.68% | 5.38% | 9.30% | 13.28% | Beats 97% | 21 / 629 | |
| Net Interest Margin | 2.90% | 3.03% | 3.54% | 4.05% | Beats 20% | 504 / 629 | |
| Efficiency Ratio | 54.52% | 58.35% | 67.79% | 79.08% | Beats 82% | 115 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 22.04% | 11.24% | 13.84% | 18.77% | Beats 81% | 121 / 629 | |
| Total Risk-Based Capital Ratio | 22.98% | 11.58% | 14.43% | 19.66% | Beats 81% | 119 / 629 | |
| Equity / Assets | 6.24% | 9.09% | 10.65% | 13.80% | Beats 2% | 616 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 26.77% | 67.24% | 80.90% | 93.48% | 3rd pctl | 575 / 594 | |
| Loans / Assets | 24.66% | 53.31% | 67.71% | 78.15% | 9th pctl | 570 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |