DAKOTA HERITAGE BANK

HUNTER, ND | Small | Est. Feb. 8, 1945, midnight | FDIC #16231 | RSSD #860352 | FDIC
Latest Report: 2025-12-31

DAKOTA HERITAGE BANK is asn small FDIC-insured commercial bank headquartered in HUNTER, ND, established in Feb. 8, 1945, midnight. As of 2025-12-31, the bank reported total assets of $425M and total deposits of $358M. Profitability stands at 1.71% ROA and 20.28% ROE, with a net interest margin of 4.03%. The bank's CET1 capital ratio is 7.97%. Asset quality metrics show a non-performing loan ratio of 1.08% and a Texas Ratio of 9.35%. FDIC Certificate #16231.

Assets

$425M

Deposits

$358M

Loans

$350M

Equity

$36M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 20.28%
Net Interest Margin (NIM) 4.03%
Yield on Assets 6.38%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 1.08%
Net Charge-Off Ratio 0.06%
Texas Ratio 9.35%
NPA Ratio 0.89%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 7.97%
Tier 1 Capital 7.97%
Total Capital Ratio 8.36%
Leverage Ratio 9.26%
Loan-to-Deposit 97.93%

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