Clear Lake, SD · Cert 3977 · DCNB Holding Co.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.23% | 1.15% | 1.72% | 1.65% | +37 bps | |
| Return on Equity | 22.03% | 20.55% | 18.59% | 25.94% | 25.45% | +342 bps | |
| Net Interest Margin | 2.57% | 2.60% | 2.61% | 2.94% | 2.90% | +32 bps | |
| Efficiency Ratio | 61.45% | 62.68% | 65.39% | 52.94% | 54.52% | -692 bps | |
| Non-Interest Burden | 0.95% | 1.04% | 1.18% | 0.74% | 0.83% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.03% | 6.28% | 6.48% | 9.09% | 7.33% | +231 bps | |
| Loan Growth (YoY) | -1.42% | 7.72% | 12.30% | 3.55% | 3.17% | +458 bps | |
| Deposit Growth (YoY) | 8.64% | 5.63% | 6.68% | 8.33% | 6.99% | -165 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.09% | 0.07% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.55% | 1.42% | 1.45% | 1.59% | 1.52% | -3 bps | |
| Allowance Coverage of NPLs | 23.1x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.39% | 9.66% | 9.60% | 9.26% | 8.89% | -50 bps | |
| Total Risk-Based Capital | 23.01% | 22.93% | 23.25% | 23.74% | 22.98% | -4 bps | |
| Equity / Assets | 5.96% | 6.53% | 6.96% | 6.32% | 6.24% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.76% | 29.66% | 30.29% | 26.60% | 26.77% | -99 bps | |
| Liquid Assets / Assets | 52.08% | 49.23% | 47.00% | 47.69% | 46.29% | -579 bps | |
| CRE / Total Capital | n/a | 22.81% | 35.03% | 38.47% | n/a | n/a | |