BlastPoint's Banking Scorecard
Dakota Heritage Bank
Hunter, ND
11 branches across ND · MN
Dakota Heritage Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 17.7% in tier
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 18.67% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.3% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - Delinquency Rate 0.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$418.3M
+4.0% YoY
-1.5% QoQ
|
+$32.2M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$334.6M
+8.4% YoY
-3.3% QoQ
|
+$78.9M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$378.5M
+3.2% YoY
+5.8% QoQ
|
+$50.5M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
2.02%
+45.6% YoY
+20.5% QoQ
|
+0.75% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
Top 12.0% in tier |
| Net Interest Margin ? |
4.08%
+5.7% YoY
+2.8% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
46.62%
-10.5% YoY
-10.3% QoQ
|
-18.67% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
Top 10.7% in tier |
| Delinquency Rate ? |
1.69%
+210.6% YoY
+46.7% QoQ
|
+0.81% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
88.40%
+5.1% YoY
-8.6% QoQ
|
+11.76% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
17.21%
-2.4% YoY
-4.7% QoQ
|
-4.81% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.36%
+223.6% YoY
+44.1% QoQ
|
+0.72% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.4% in tier |
| Tier 1 Capital Ratio ? |
9.49%
+2.0% YoY
+2.6% QoQ
|
-6.34% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.3% in tier |
| Non-Interest Income / Assets ? |
0.03%
-21.3% YoY
-87.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.7% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.