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Dakota Community Bank & Trust, National Association

$1B-$10B Specialty: Agricultural ND FDIC cert 15728

Designations: ✓ Community bank

Hebron, ND

13 branches across ND · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +6.0% year over year ($1.2B on the books).
  • Delinquency rate 0.08%.
  • Return on assets 1.83%.
  • Efficiency ratio 52.04% vs a 59.73% peer average.
  • Loan-to-deposit ratio 67.04% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

Dakota Community Bank & Trust, National Association has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 31.2% in tier
  • + Profitability Leader: Top 47.8% in tier
  • + Nonperforming Asset Ratio 0.62% below tier average
  • + Efficiency Ratio 7.68% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.7% in tier
  • - Non-Interest-Bearing Deposit Share 13.32% below tier average
  • - Net Interest Margin 0.43% below tier average
Get updates when Dakota Community Bank & Trust, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $1.4B
+7.8% YoY +0.0% QoQ
-$1.4B $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $831.8M
+13.4% YoY +5.9% QoQ
-$1.1B $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $1.2B
+6.0% YoY -0.6% QoQ
-$1.1B $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.83%
+21.8% YoY +3.6% QoQ
+0.44% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 3.44%
+11.4% YoY +3.0% QoQ
-0.43% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 52.04%
-9.2% YoY -0.0% QoQ
-7.68% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.08%
+50.2% YoY -8.5% QoQ
-0.78% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
Top 10.1% in tier
Loan-to-Deposit Ratio ? 67.04%
+7.0% YoY +6.5% QoQ
-18.00% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Top 12.4% in tier
Non-Interest-Bearing Deposit Share ? 7.95%
-4.8% YoY -4.7% QoQ
-13.32% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
Bottom 7.3% in tier
Nonperforming Asset Ratio ? 0.05%
+58.0% YoY -3.1% QoQ
-0.62% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Top 9.0% in tier
Tier 1 Capital Ratio ? 13.32%
+0.0% YoY -3.6% QoQ
-1.52% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.27%
-1.4% YoY +112.6% QoQ
-0.26% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 7.9%
-0.4pp YoY
-0.4pp QoQ
 -13.4pp 21.4% 21.6% 22.2% 7%
Brokered Deposits 1.7%
+0.6pp YoY
+0.1pp QoQ
 -7.8pp 9.5% 6.0% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 11.3%
+0.5pp YoY
+0.4pp QoQ
 -2.7pp 14.0% 12.9% 12.5% 50%
CRE 24.5%
+1.6pp YoY
-0.6pp QoQ
 -25.5pp 50.0% 29.0% 41.4% 7%
1-4 Family 7.7%
-0.2pp YoY
+0.1pp QoQ
 -18.7pp 26.4% 12.3% 31.3% 11%
Consumer 2.1%
-0.5pp YoY
-0.2pp QoQ
 -2.6pp 4.7% 4.5% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 13.3%
0.0pp YoY
-0.5pp QoQ
 -2.3pp 15.6% 15.3% 19.7% 46%
Leverage Ratio 9.1%
+0.5pp YoY
+0.1pp QoQ
 -2.2pp 11.3% 10.7% 12.6% 13%
Total Capital Ratio 14.4%
-0.1pp YoY
-0.6pp QoQ
 -2.3pp 16.7% 16.3% 20.8% 44%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 169
-5 (-2.9%) YoY
-1 (-0.6%) QoQ
 -145 313 138 482 30%
Assets per Employee ($) $8.2M
+11.0% YoY
+0.6% QoQ
 -$2.3M $10.5M $8.3M $8.8M 44%
Branch Count 13
0 YoY
0 QoQ
 -7 20 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.5% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.7% 1.0% 8%
Allowance Coverage 14.20x
-40.4% YoY
+3.3% QoQ
 -4.51x 18.71x 73.79x 20.23x 92%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 22.5%
+1.0pp YoY
+0.2pp QoQ
 +9.9pp 12.6% 16.0% 11.6% 94%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.7% 1.7% 30%
Net Income ($, YTD) $12.7M
+31.5% YoY
— QoQ
 -$6.5M $19.2M $7.0M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#70 of 221 • Top 31.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Profitability Leader

growth
#107 of 222 • Top 47.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.83%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#24 of 492 • Bottom 4.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

81
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#81 of 885 Top 9.0% in $1B-$10B
90
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.87%
#90 of 882 Top 10.1% in $1B-$10B
111
Loan-to-Deposit Ratio
liquidity
Value: 67.04%
Peer Median: 85.04%
#111 of 885 Top 12.4% in $1B-$10B
149
Return on Assets
profitability
Value: 1.83%
Peer Median: 1.39%
#149 of 885 Top 16.7% in $1B-$10B

Top Weaknesses (2 metrics)

821
Non-Interest-Bearing Deposit Share
funding
Value: 7.95%
Peer Median: 21.27%
#821 of 885 Bottom 7.3% in $1B-$10B
740
Total Loans
size
Value: $831.84M
Peer Median: $1.96B
#740 of 885 Bottom 16.5% in $1B-$10B
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