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Dakota Heritage Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 16231

Hunter, ND

11 branches across ND · MN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
  • Deposits +4.4% year over year ($366.8M on the books).
  • Delinquency rate 1.64%.
  • Return on assets 1.96%.
  • Efficiency ratio 47.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.35% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 34 in ND
View $100M-$1B leaderboard (ND) →

Dakota Heritage Bank has 3 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

  • + Profitability Leader: Top 36.5% in tier
  • + Net Interest Margin 0.06% above tier average
  • + Efficiency Ratio 16.66% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 19.4% in tier
  • - Liquidity Strain: Bottom 20.4% in tier
  • - Delinquency Rate 0.73% above tier average
Get updates when Dakota Heritage Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $416.8M
+2.4% YoY -0.4% QoQ
+$30.2M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $342.5M
+3.4% YoY +2.3% QoQ
+$84.1M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $366.8M
+4.4% YoY -3.1% QoQ
+$40.1M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 1.96%
+21.6% YoY -2.8% QoQ
+0.64% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
Top 13.9% in tier
Net Interest Margin ? 4.05%
+3.3% YoY -0.8% QoQ
+0.06% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 47.81%
-6.5% YoY +2.6% QoQ
-16.66% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
Top 12.7% in tier
Delinquency Rate ? 1.64%
+172.9% YoY -2.9% QoQ
+0.73% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 93.35%
-1.0% YoY +5.6% QoQ
+15.40% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 16.65%
+6.4% YoY -3.2% QoQ
-5.38% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 1.35%
+175.7% YoY -0.3% QoQ
+0.68% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Bottom 14.1% in tier
Tier 1 Capital Ratio ? 9.83%
+6.2% YoY +3.6% QoQ
-6.08% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 8.6% in tier
Non-Interest Income / Assets ? 0.08%
+7.5% YoY +162.4% QoQ
-0.49% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
Bottom 11.7% in tier

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 16.7%
+1.0pp YoY
-0.6pp QoQ
 -5.5pp 22.1% 21.6% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 6.2%
-0.3pp YoY
-0.5pp QoQ
 -5.4pp 11.6% 12.9% 12.5% 27%
CRE n/a n/a 39.5% 29.0% 41.4% n/a
1-4 Family 10.3%
+0.2pp YoY
-0.3pp QoQ
 -22.4pp 32.6% 12.3% 31.3% 11%
Consumer 5.2%
-0.2pp YoY
-0.2pp QoQ
 +1.1pp 4.1% 4.5% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.3% 19.7% n/a
Leverage Ratio 9.8%
+0.6pp YoY
+0.3pp QoQ
 -2.3pp 12.2% 10.7% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 54
0 YoY
+4 (+8.0%) QoQ
 -5 58 138 482 57%
Assets per Employee ($) $7.7M
+2.4% YoY
-7.7% QoQ
 +$199K $7.5M $8.3M $8.8M 64%
Branch Count 11
0 YoY
0 QoQ
 +6 4 7 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.1pp YoY
-0.1pp QoQ
 +0.1pp 0.3% 0.5% 0.4% 80%
Nonaccrual 1.2%
+0.9pp YoY
+0.1pp QoQ
 +0.3pp 0.9% 0.7% 1.0% 76%
Allowance Coverage 0.78x
-62.3% YoY
+0.5% QoQ
 -23.37x 24.15x 73.79x 20.23x 20%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 22.2%
+2.2pp YoY
-1.1pp QoQ
 +10.0pp 12.2% 16.0% 11.6% 93%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 76%
Net Income ($, YTD) $4.1M
+28.4% YoY
— QoQ
 +$1.6M $2.6M $7.0M $40.4M 81%

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 (1)

Profitability Leader

growth
#242 of 661 • Top 36.5% in tier

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

Why this signature
Return on Assets: 1.96%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Capital Thin

risk
#129 of 661 • Bottom 19.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.83%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#142 of 691 • Bottom 20.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

336
Efficiency Ratio
profitability
Value: 47.81%
Peer Median: 64.48%
#336 of 2643 Top 12.7% in $100M-$1B
368
Return on Assets
profitability
Value: 1.96%
Peer Median: 1.32%
#368 of 2643 Top 13.9% in $100M-$1B

Top Weaknesses (5 metrics)

2418
Tier 1 Capital Ratio
capital
Value: 9.83%
Peer Median: 15.91%
#2418 of 2643 Bottom 8.6% in $100M-$1B
2336
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2336 of 2643 Bottom 11.7% in $100M-$1B
2271
Nonperforming Asset Ratio
credit_quality
Value: 1.35%
Peer Median: 0.67%
#2271 of 2643 Bottom 14.1% in $100M-$1B
2192
Delinquency Rate
credit_quality
Value: 1.64%
Peer Median: 0.92%
#2192 of 2633 Bottom 16.8% in $100M-$1B
2131
Loan-to-Deposit Ratio
liquidity
Value: 93.35%
Peer Median: 77.95%
#2131 of 2643 Bottom 19.4% in $100M-$1B
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