DNB National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
DNB National Bank is one of the more profitable banks of its size. Its balance sheet stood at $124 million at June 30, 2026, up 7.3% from a year earlier; it is based in Clear Lake, South Dakota. It returns 31.0% a year on shareholders' equity, 2.5 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $593,000, 32% above the same quarter a year earlier. Over the same year, loans grew 3.2% and deposits grew 7.0%. Where it has less room is capital: it funds 8.89% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, DNB National Bank reported a CET1 capital ratio of 22.04%, a return on assets of 1.93%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 305 4th St W, Clear Lake, SD 57226
- County
- Deuel
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1926
- Former names
- Deuel County National Bank (1978-2007)
- Offices
- 2 domestic
- Employees (FTE)
- 15
- Domestic deposits
- $114.3M
- Allowance for credit losses
- $466K
- Net charge-offs (YTD)
- $0
- Average total assets
- $122.9M
- Average total loans
- $27.0M
- Average interest-bearing deposits
- $77.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3977
- Fed RSSD
- 401559
- Website
- www.dnbanks.com →
- Parent Holding Company
- DCNB HOLDING COMPANY (RSSD 2359962)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full DNB National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock DNB National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
DNB National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for DNB National Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.04% | 1.93% | 0.00% | 0.00% | 3.20% |
| Q1 2026 | 22.77% | 2.09% | 0.00% | 0.00% | 3.19% |
| Q4 2025 | 22.33% | 1.09% | 0.00% | 0.00% | 3.16% |
| Q3 2025 | 22.03% | 1.39% | 0.00% | 0.00% | 2.95% |
| Q2 2025 | 22.05% | 1.60% | 0.07% | 0.28% | 3.01% |
| Q1 2025 | 22.50% | 1.50% | 0.11% | 0.48% | 2.69% |
| Q4 2024 | 22.45% | 0.84% | 0.11% | 0.50% | 2.54% |
| Q3 2024 | 21.90% | 1.08% | 0.11% | 0.54% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| DNB National Bank (main office) | Clear Lake , SD | 57226 | $101.0M |
| Gary Branch | Gary , SD | 57237 | $13.4M |
Regulatory record
What the public regulatory sources show for DNB National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- October 15, 1997, OCC: Formal Agreement: Deuel County National Bank
- Period: Most recent institution action October 15, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 48 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about DNB National Bank
What are DNB National Bank's total assets?
As of the Q2 2026 filing, DNB National Bank reported total assets of $124.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is DNB National Bank headquartered?
DNB National Bank is headquartered in Clear Lake, SD, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was DNB National Bank founded?
DNB National Bank was established in 1926, per the FDIC institution directory.
Is DNB National Bank FDIC-insured?
Yes. DNB National Bank is an FDIC-insured commercial bank (FDIC Certificate #3977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates DNB National Bank?
DNB National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is DNB National Bank's CET1 capital ratio?
DNB National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does DNB National Bank operate?
DNB National Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is DNB National Bank's Texas Ratio?
DNB National Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was DNB National Bank previously called?
The charter now named DNB National Bank has also operated as Deuel County National Bank (1978-2007), per FDIC structure-change records.
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