Bank Comparison
Merrimack County Savings Bank vs Dakota Community Bank & Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Merrimack County Savings Bank | Dakota Community Bank & Trust, N.A. |
|---|---|---|
| CET1 Ratio | 12.93% | 13.83% |
| Tier 1 Capital Ratio | 12.93% | 13.83% |
| Total Capital Ratio | 14.18% | 14.92% |
| Tier 1 Leverage Ratio | 9.56% | 8.93% |
| Equity / Assets | 8.96% | 7.97% |
Profitability
| Metric | Merrimack County Savings Bank | Dakota Community Bank & Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.52% | 1.77% |
| Return on Equity (ROE) | 5.93% | 22.29% |
| Net Interest Margin (NIM) | 3.23% | 3.48% |
| Yield on Earning Assets | 5.00% | 5.06% |
| Cost of Funds | 1.92% | 1.67% |
Asset quality
| Metric | Merrimack County Savings Bank | Dakota Community Bank & Trust, N.A. |
|---|---|---|
| Texas Ratio | 6.17% | 0.59% |
| Non-Performing Loan Ratio | 0.72% | 0.09% |
| Non-Performing Asset Ratio | 0.60% | 0.05% |
| Net Charge-Off Ratio | 0.12% | -0.01% |
| ACL / Loans | 1.13% | 1.23% |
Balance sheet
| Metric | Merrimack County Savings Bank | Dakota Community Bank & Trust, N.A. |
|---|---|---|
| Total Assets | $1,390M | $1,387M |
| Total Deposits | $1,139M | $1,247M |
| Total Loans | $1,155M | $795,526K |
| Total Equity | $124,602K | $110,589K |
| Net Income (quarter) | $1,835K | $6,138K |
Liquidity & funding
| Metric | Merrimack County Savings Bank | Dakota Community Bank & Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 101.43% | 63.75% |
| Core Deposit Ratio | 94.25% | 88.36% |
| Uninsured Deposit Ratio | 14.31% | 32.85% |
Identity
| Metric | Merrimack County Savings Bank | Dakota Community Bank & Trust, N.A. |
|---|---|---|
| Headquarters City | CONCORD | HEBRON |
| Headquarters State | NH | ND |
| Asset Tier | Large | Large |
| Charter Class | 0 | 24604 |
| Regulator | FDIC | OCC |
| Domestic Branches | 9 | 13 |
| Employees (FTE) | 186 | 170 |
| Established | Jan. 1, 1867, midnight | Jan. 1, 1940, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Merrimack County Savings Bank profile | View full Dakota Community Bank & Trust, N.A. profile | Browse all bank comparisons