DNB NATIONAL BANK

CLEAR LAKE, SD | Small | Est. Jan. 1, 1926, midnight | FDIC #3977 | RSSD #401559 | OCC
Latest Report: 2025-12-31

DNB NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in CLEAR LAKE, SD, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $106M. Profitability stands at 1.11% ROA and 16.40% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 22.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3977.

Assets

$117M

Deposits

$106M

Loans

$32M

Equity

$8M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 16.40%
Net Interest Margin (NIM) 3.22%
Yield on Assets 4.45%
Cost of Funds 1.23%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 22.33%
Tier 1 Capital 22.33%
Total Capital Ratio 23.25%
Leverage Ratio 9.60%
Loan-to-Deposit 30.29%

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