Dakota Community Bank & Trust, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Dakota Community Bank & Trust, N.A. is one of the more profitable banks of its size. The Hebron, North Dakota bank had $1.4 billion in assets at June 30, 2026, up 7.8% from a year earlier. It returns 22.9% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $6.6 million. Over the same year, loans grew 13.2% and deposits grew 6.0%. Where it has less room is capital: it funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Dakota Community Bank & Trust, N.A. reported a CET1 capital ratio of 13.32%, a return on assets of 1.89%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.54%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 609 Main St, Hebron, ND 58638
- County
- Morton
- Metro Area
- Bismarck, ND
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1940
- Former names
- Dakota Community Bank, National Association (2005-2011); Dakota Community Bank (1997-2005)
- Offices
- 13 domestic
- Employees (FTE)
- 169
- Domestic deposits
- $1.24B
- Allowance for credit losses
- $9.8M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $1.39B
- Average total loans
- $816.6M
- Average interest-bearing deposits
- $1.14B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 11, 1940
- FDIC Cert
- 15728
- Fed RSSD
- 815156
- Website
- www.dakotacommunitybank.com →
- Parent Holding Company
- DAKOTA COMMUNITY BANSHARES, INC. (RSSD 2265782)
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.
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 Dakota Community Bank & Trust, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Dakota Community Bank & Trust, N.A., freeDakota Community Bank & Trust, N.A. 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.
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 | 13.32% | 1.89% | 0.08% | 0.54% | 3.67% |
| Q1 2026 | 13.83% | 1.77% | 0.09% | 0.59% | 3.48% |
| Q4 2025 | 13.47% | 1.96% | 0.09% | 0.56% | 3.48% |
| Q3 2025 | 13.64% | 1.77% | 0.09% | 0.62% | 3.45% |
| Q2 2025 | 13.32% | 1.62% | 0.05% | 0.40% | 3.30% |
| Q1 2025 | 13.62% | 1.36% | 0.06% | 0.42% | 3.01% |
| Q4 2024 | 13.45% | 1.69% | 0.05% | 0.36% | 3.12% |
| Q3 2024 | 13.35% | 1.45% | 0.05% | 0.38% | 3.11% |
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 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bismarck Branch | Bismarck , ND | 58501 | $239.4M |
| Mandan Branch | Mandan , ND | 58554 | $185.7M |
| South Seventh Street Branch | Bismarck , ND | 58504 | $152.7M |
| Dickinson Branch | Dickinson , ND | 58601 | $149.8M |
| Dickinson Branch (3rd Ave W) | Dickinson , ND | 58601 | $131.2M |
| Dakota Community Bank & Trust, N.A. (main office) | Hebron , ND | 58638 | $96.0M |
| Bowman Branch | Bowman , ND | 58623 | $69.4M |
| Taylor Branch | Taylor , ND | 58656 | $54.0M |
| Lincoln Branch | Lincoln , ND | 58504 | $47.1M |
| New Leipzig Branch | New Leipzig , ND | 58562 | $42.8M |
| Richardton Branch | Richardton , ND | 58652 | $28.5M |
| Dakota Community Bank & Trust, Na - Mobridge Branch | Mobridge , SD | 57601 | $22.2M |
| Glen Ullin Branch | Glen Ullin , ND | 58631 | $22.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 11, 1997 | M&A | Acquired Dakota Community Bank merger for the acquired bank | SEC |
| April 11, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 1997 | Structure Change | Acquired Dakota Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Dakota Community Bank & Trust, N.A., 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.8% of deposits in ND, rank 12 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 372 applications, 295 loans originated, $83.4M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $88K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 Dakota Community Bank & Trust, N.A.
What are Dakota Community Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, Dakota Community Bank & Trust, N.A. reported total assets of $1.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dakota Community Bank & Trust, N.A. headquartered?
Dakota Community Bank & Trust, N.A. is headquartered in Hebron, ND, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Dakota Community Bank & Trust, N.A. founded?
Dakota Community Bank & Trust, N.A. was established in 1940, per the FDIC institution directory.
Is Dakota Community Bank & Trust, N.A. FDIC-insured?
Yes. Dakota Community Bank & Trust, N.A. is an FDIC-insured commercial bank (FDIC Certificate #15728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dakota Community Bank & Trust, N.A.?
Dakota Community Bank & Trust, N.A.'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 Dakota Community Bank & Trust, N.A.'s CET1 capital ratio?
Dakota Community Bank & Trust, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dakota Community Bank & Trust, N.A. operate?
Dakota Community Bank & Trust, N.A. operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dakota Community Bank & Trust, N.A.'s Texas Ratio?
Dakota Community Bank & Trust, N.A.'s Texas Ratio is 0.54% 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 Dakota Community Bank & Trust, N.A. previously called?
The charter now named Dakota Community Bank & Trust, N.A. has also operated as Dakota Community Bank, National Association (2005-2011), Dakota Community Bank (1997-2005), per FDIC structure-change records.
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