Dakota Community Bank & Trust, N.A.
Also written as DCB&T
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Data as of · sourced from FFIEC call reports. How we update
Dakota Community Bank & Trust, N.A. is an FDIC-insured commercial bank headquartered in Hebron, ND, established in 1940 (FDIC certificate 15728), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.39B, up 7.8% from Q2 2025, the 11th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 13.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 15728
- Headquarters
- Hebron, ND
- Established
- 1940
- Total assets, Q2 2026
- $1.39B
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 13.32%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 091303664
- Latest call report
- Q2 2026, FFIEC 051 · Dakota Community Bank & Trust, N.A. Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- DAKOTA COMMUNITY BANSHARES, INC.
- Asset rank in state
- 11th of 60 in North Dakota
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 12.7% for the 880 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 10.49%).
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Dakota Community Bank & Trust, N.A. is the 11th largest of the 60 banks headquartered in North Dakota. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 5.8% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 31.2% of total loans, ahead of agricultural production loans at 23.0%. The FDIC Summary of Deposits lists 13 offices for it, in 11 cities across 2 states; its Bismarck 2 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Dakota Community Bank & Trust, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Dakota Community Bank & Trust, N.A.'s total assets ran between $1.21B (Q3 2023) and $1.40B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.39B total assets against $1.29B; $1.27B total liabilities against $1.20B.
$831.8M net loans and leases against $733.6M; $1.24B total deposits against $1.17B.
$433.9M securities against $407.4M; $74.6M cash and balances due against $107.6M.
$17.2M total interest income against $15.7M; $5.4M total interest expense against $5.5M.
$11.8M net interest income against $10.1M.
$2.0M total noninterest income against $1.9M; $7.2M total noninterest expense against $6.6M.
$28K provision for credit losses against $27K.
$6.6M net income against $5.3M.
1.89% return on assets against 1.62%; 3.67% net interest margin against 3.30%.
13.32% CET1 capital ratio against 13.32%; 9.07% tier 1 leverage ratio against 8.52%.
Inside the full Dakota Community Bank & Trust, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDakota Community Bank & Trust, N.A. rankings
Its closest position to the top of a national ranking is 624 of 3,611, for ROA; its furthest is 2,933 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.36% (Q1 2025) to 1.96% (Q4 2025) and its net interest margin ran from 3.01% (Q1 2025) to 3.67% (Q2 2026).
| 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
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Dakota Community Bank & Trust, N.A. headquartered?
It is headquartered in Hebron, ND, United States.
When was Dakota Community Bank & Trust, N.A. founded?
It was established in 1940, per the FDIC institution directory.
Is Dakota Community Bank & Trust, N.A. FDIC-insured?
Yes. It 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.
What is Dakota Community Bank & Trust, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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