PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dakota Plains

Edgeley, ND · Charter 63613

NCUA · 3 branches

Q2 2026

$93.3MAssets
$81.6MLoans
$81.1MShares
$11.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 100 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.96% of loans (-90 bps YoY).
  • Capital: net worth / assets of 12.27%, up 51 bps from a year ago.
  • Funding: loans stand at 100.66% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.88%+100 bps YoY

Net Interest Margin (quarter, annualized)

5.11%+65 bps YoY

Efficiency Ratio (quarter, annualized)

80.32%-1,711 bps YoY

Net Worth / Assets

12.27%+51 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.59%0.37%-0.12%0.16%0.28%0.67%0.88%+100 bps
Return on Equity6.99%5.11%3.12%-1.05%1.35%2.44%5.61%7.16%+821 bps
Net Interest Margin4.20%4.04%4.36%4.46%4.60%4.49%5.07%5.11%+65 bps
Efficiency Ratio86.22%88.82%93.09%97.43%94.55%91.90%82.41%80.32%-1,711 bps
Growth
Asset Growth (YoY)-6.50%-0.03%0.92%4.35%6.46%4.82%2.01%2.05%-229 bps
Loan Growth (YoY)-9.22%-3.73%-0.70%7.09%10.58%4.87%2.73%-0.38%-747 bps
Share Growth (YoY)-3.81%-0.45%-0.01%4.41%3.70%5.11%2.99%2.33%-209 bps
Asset Quality
Delinquent Loans / Loans1.03%0.99%0.66%1.87%1.10%1.36%1.81%0.96%-90 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.32%11.62%11.82%11.76%11.63%11.32%11.95%12.27%+51 bps
Net Worth / Assets12.32%11.62%11.82%11.76%11.63%11.32%11.95%12.27%+51 bps
Liquidity & Funding
Loans / Shares100.33%94.42%95.80%103.39%106.99%94.20%95.56%100.66%-274 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps