Dakota Community Bank & Trust, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dakota Community Bank & Trust, N.A. of Hebron, ND against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.89% | 1.43% | +0.46% | 84th top |
| ROAE | 22.89% | 12.49% | +10.40% | 93rd top |
| Net Interest Margin | 3.67% | 3.84% | -0.17% | 47th below |
| Efficiency Ratio | 49.97% | 58.88% | -8.91% | 75th top |
| PPNR / Avg Assets | 1.91% | 1.78% | +0.13% | 63rd above |
| Yield on Earning Assets | 5.29% | 5.71% | -0.42% | 34th below |
| Cost of Funds | 1.73% | 2.03% | -0.30% | 67th above |
| Net Interest Spread | 3.41% | 3.18% | +0.23% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.97% | -0.89% | 90th top |
| NPA / Total Assets | 0.05% | 0.75% | -0.70% | 91st top |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 61st above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.16% | 1.25% | -0.09% | 51st above |
| ACL / NPLs (Coverage) | 1420.35% | 698.04% | +722.31% | — |
| Texas Ratio | 0.54% | 7.17% | -6.63% | 91st top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 688.89% | 814.69% | -125.80% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.32% | 17.41% | -4.09% | 47th below |
| Tier 1 Ratio | 13.32% | 17.45% | -4.13% | 47th below |
| Total Capital Ratio | 14.36% | 18.51% | -4.15% | 45th below |
| Leverage Ratio | 9.07% | 11.60% | -2.53% | 13th bottom |
| Equity / Assets | 8.58% | 11.33% | -2.75% | 14th bottom |
| TCE / Tangible Assets | 8.53% | 10.65% | -2.12% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.82% | 86.37% | -18.55% | 88th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 85.85% | 85.56% | +0.29% | 37th below |
| Uninsured Deposit Ratio | 32.88% | 32.71% | +0.17% | 44th below |
| Wholesale Funding Ratio | 1.24% | 5.46% | -4.22% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.76% | 10.46% | -2.70% | 67th above |
| Loan Growth (Y/Y) | 13.24% | 7.99% | +5.25% | 82nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.01% | 7.98% | -1.97% | 58th above |
See Dakota Community Bank & Trust, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dakota Community Bank & Trust, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Dakota Community Bank & Trust, N.A. profile, how to read a UBPR, or how this data updates.