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Dakota Community Bank & Trust, National Association
Hebron, ND · FDIC Certificate #15728 · Chartered 01/0
Total assets
$1.39B
Total deposits
$1.24B
Total equity
$119.08M
Net loans
$831.84M
Branches (offices)
13
Net income (YTD)
$12.71M
Rank: #795 of 4,213 U.S. banks by assets · #11 of 60 in North Dakota. Assets changed 7.8% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 22.47% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 9.07% |
| Uninsured deposits (share of deposits) | 32.9% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 67.0% |
| Real estate loans (share of loans) | 63.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $530.80M | 63.8% | |
| Commercial & industrial | $93.96M | 11.3% | |
| Consumer / individual | $17.32M | 2.1% | |
| Construction & development | $27.46M | 3.3% | |
| Agricultural | $193.74M | 23.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.17B | $1.10B | $6.66M | $52.26M |
| Jun 2023 | $1.20B | $1.11B | $6.28M | $66.86M |
| Jun 2024 | $1.23B | $1.12B | $7.98M | $84.39M |
| Jun 2025 | $1.29B | $1.17B | $9.67M | $91.09M |
| Jun 2026 | $1.39B | $1.24B | $12.71M | $119.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $1.22B | 12 |
| South Dakota | $22.19M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.24B.
Similar-sized banks
Central National Bank ($1.39B) · Optimumbank ($1.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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