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DNB NATIONAL BANK

$100M-$1B Specialty: Agricultural SD FDIC cert 3977

Clear Lake, SD

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits +7.0% year over year ($114.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.01%.
  • Efficiency ratio 54.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 26.36% 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 24 in SD
View $100M-$1B leaderboard (SD) →

DNB NATIONAL BANK has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 9.1% in tier
  • + Profitability Leader: Top 25.0% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 9.96% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.84% below tier average
Get updates when DNB NATIONAL BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $124.1M
+7.3% YoY +3.8% QoQ
-$262.4M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
Bottom 6.8% in tier
Total Loans ? $30.1M
+3.2% YoY +4.8% QoQ
-$228.2M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
Bottom 1.0% in tier
Total Deposits ? $114.3M
+7.0% YoY +4.1% QoQ
-$212.4M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
Bottom 10.0% in tier
Return on Assets ? 2.01%
+29.7% YoY -3.5% QoQ
+0.69% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Top 13.0% in tier
Net Interest Margin ? 3.15%
+13.7% YoY +0.7% QoQ
-0.84% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Bottom 14.6% in tier
Efficiency Ratio ? 54.52%
-11.3% YoY +3.0% QoQ
-9.96% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 26.36%
-3.5% YoY +0.7% QoQ
-51.59% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
Top 1.3% in tier
Non-Interest-Bearing Deposit Share ? 27.41%
-7.3% YoY -11.7% QoQ
+5.38% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 22.04%
-0.1% YoY -3.2% QoQ
+6.13% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
Top 10.3% in tier
Non-Interest Income / Assets ? 0.81%
+2.3% YoY +90.7% QoQ
+0.25% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
Top 4.7% 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 (SD) National Avg Tier Percentile
Noninterest-Bearing 27.4%
-2.2pp YoY
-3.6pp QoQ
 +5.3pp 22.1% 23.5% 22.2% 74%
Brokered Deposits 8.0%
+2.8pp YoY
-1.5pp QoQ
 +0.2pp 7.9% 8.7% 8.5% 68%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 28.3%
+0.6pp YoY
0.0pp QoQ
 +16.7pp 11.6% 14.1% 12.5% 95%
CRE 11.9%
+3.3pp YoY
-2.6pp QoQ
 -27.6pp 39.5% 31.5% 41.4% 7%
1-4 Family 17.7%
+2.1pp YoY
+0.4pp QoQ
 -15.0pp 32.6% 14.9% 31.3% 25%
Consumer 5.8%
-3.1pp YoY
-0.4pp QoQ
 +1.7pp 4.1% 8.5% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 22.0%
0.0pp YoY
-0.7pp QoQ
 +3.2pp 18.8% 17.6% 19.7% 83%
Leverage Ratio 8.9%
-0.5pp YoY
-0.4pp QoQ
 -3.3pp 12.2% 11.9% 12.6% 10%
Total Capital Ratio 23.0%
0.0pp YoY
-0.8pp QoQ
 +3.0pp 19.9% 18.8% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
+1 (+7.1%) QoQ
 -44 58 6,279 482 4%
Assets per Employee ($) $8.3M
+7.3% YoY
-3.2% QoQ
 +$758K $7.5M $8.1M $8.8M 71%
Branch Count 2
0 YoY
0 QoQ
 -3 4 92 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 96.54x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.7% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 30.9%
+4.3pp YoY
-0.4pp QoQ
 +18.7pp 12.2% 12.4% 11.6% 98%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 13%
Net Income ($, YTD) $1.2M
+39.6% YoY
— QoQ
 -$1.3M $2.6M $418.8M $40.4M 33%

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)

Revenue Diversifier

growth
#61 of 661 • Top 9.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.81%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#166 of 661 • Top 25.0% in tier

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

Why this signature
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
36
Loan-to-Deposit Ratio
liquidity
Value: 26.36%
Peer Median: 77.95%
#36 of 2643 Top 1.3% in $100M-$1B
124
Non-Interest Income / Assets
revenue_mix
Value: 0.81%
Peer Median: 0.57%
#124 of 2643 Top 4.7% in $100M-$1B
273
Tier 1 Capital Ratio
capital
Value: 22.04%
Peer Median: 15.91%
#273 of 2643 Top 10.3% in $100M-$1B
345
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#345 of 2643 Top 13.0% in $100M-$1B

Top Weaknesses (4 metrics)

2617
Total Loans
size
Value: $30.15M
Peer Median: $258.35M
#2617 of 2643 Bottom 1.0% in $100M-$1B
2463
Total Assets
size
Value: $124.14M
Peer Median: $386.57M
#2463 of 2643 Bottom 6.8% in $100M-$1B
2380
Total Deposits
size
Value: $114.35M
Peer Median: $326.73M
#2380 of 2643 Bottom 10.0% in $100M-$1B
2259
Net Interest Margin
profitability
Value: 3.15%
Peer Median: 3.99%
#2259 of 2643 Bottom 14.6% in $100M-$1B
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