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Dnb National Bank
Clear Lake, SD · FDIC Certificate #3977 · Chartered 01/0
Total assets
$124.14M
Total deposits
$114.35M
Total equity
$7.75M
Net loans
$30.15M
Branches (offices)
2
Net income (YTD)
$1.21M
Rank: #3,497 of 4,213 U.S. banks by assets · #41 of 56 in South Dakota. Assets changed 7.3% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 30.94% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 6.24% |
| Tier 1 leverage ratio | 8.89% |
| Uninsured deposits (share of deposits) | 33.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 26.4% |
| Real estate loans (share of loans) | 46.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $14.01M | 46.5% | |
| Commercial & industrial | $8.53M | 28.3% | |
| Consumer / individual | $1.75M | 5.8% | |
| Construction & development | $2.17M | 7.2% | |
| Agricultural | $3.29M | 10.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $109.78M | $104.15M | $782.00K | $1.91M |
| Jun 2023 | $106.30M | $95.85M | $655.00K | $4.08M |
| Jun 2024 | $110.12M | $98.38M | $661.00K | $5.53M |
| Jun 2025 | $115.66M | $106.88M | $866.00K | $6.90M |
| Jun 2026 | $124.14M | $114.35M | $1.21M | $7.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $114.35M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.35M.
Similar-sized banks
State Bank Of New Richland ($124.25M) · Stockmens National Bank In Cotulla ($124.06M)
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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