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Letter portraitLegal landscapeQuarterYTD

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