BlastPoint's Banking Scorecard

DNB NATIONAL BANK

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

Clear Lake, SD

2 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in 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 7.2% in tier
+ Profitability Leader: Top 18.9% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 12.34% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.80% below tier average

Get updates when DNB NATIONAL BANK releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$119.6M +9.1% YoY +2.4% QoQ	-$266.4M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	Bottom 5.7% in tier
Total Loans ?	$28.8M +3.6% YoY -9.2% QoQ	-$227.0M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	Bottom 0.9% in tier
Total Deposits ?	$109.9M +8.3% YoY +3.6% QoQ	-$218.1M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	Bottom 8.6% in tier
Return on Assets ?	2.08% +37.1% YoY +49.5% QoQ	+0.81%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Top 10.8% in tier
Net Interest Margin ?	3.13% +16.5% YoY +7.9% QoQ	-0.80%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	52.94% -15.2% YoY -19.0% QoQ	-12.34%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	26.18% -4.3% YoY -12.3% QoQ	-50.46%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	Top 1.3% in tier
Non-Interest-Bearing Deposit Share ?	31.04% +1.1% YoY -3.5% QoQ	+9.02%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	22.77% +1.2% YoY +1.9% QoQ	+6.94%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	Top 8.9% in tier
Non-Interest Income / Assets ?	0.43% -3.2% YoY -72.0% QoQ	+0.15%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 4.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#49 of 666 • Top 7.2% 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: 0.43%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.08%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#127 of 666 • Top 18.9% in tier

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

Why this signature

Return on Assets: 2.08%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 26.18%

Peer Median: 76.64%

#36 of 2664 Top 1.3% in $100M-$1B

111

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.28%

#111 of 2664 Top 4.1% in $100M-$1B

239

Tier 1 Capital Ratio

capital

Value: 22.77%

Peer Median: 15.83%

#239 of 2664 Top 8.9% in $100M-$1B

288

Return on Assets

profitability

Value: 2.08%

Peer Median: 1.27%

#288 of 2664 Top 10.8% in $100M-$1B

419

Non-Interest-Bearing Deposit Share

funding

Value: 31.04%

Peer Median: 22.02%

#419 of 2664 Top 15.7% in $100M-$1B

576

Efficiency Ratio

profitability

Value: 52.94%

Peer Median: 65.29%

#576 of 2664 Top 21.6% in $100M-$1B

Top Weaknesses (4 metrics)

2640

Total Loans

size

Value: $28.77M

Peer Median: $255.72M

#2640 of 2664 Bottom 0.9% in $100M-$1B

2514

Total Assets

size

Value: $119.63M

Peer Median: $386.08M

#2514 of 2664 Bottom 5.7% in $100M-$1B

2436

Total Deposits

size

Value: $109.89M

Peer Median: $327.97M

#2436 of 2664 Bottom 8.6% in $100M-$1B

2257

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.93%

#2257 of 2664 Bottom 15.3% in $100M-$1B