BanksDNB NATIONAL BANK

DNB NATIONAL BANK

CLEAR LAKE, SDSmallEst. Jan. 1, 1926, midnightFDIC #3977RSSD #401559OCC
Latest · 2025-12-31

DNB NATIONAL BANK is an 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%. CET1 capital ratio: 22.33%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$117M
Deposits
$106M
Loans
$32M
Equity
$8M

Profitability

Return on Assets (ROA)1.11%
Return on Equity (ROE)16.40%
Net Interest Margin3.22%
Yield on Assets4.45%
Cost of Funds1.23%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.07%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.45%

Capital & Liquidity

CET1 Ratio22.33%
Tier 1 Capital22.33%
Total Capital Ratio23.25%
Leverage Ratio9.60%
Loan-to-Deposit30.29%

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