Dakota Community Bank & Trust, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 45.14 percentage points in Q2 2026, from 1375.21% to 1420.35%. It was the largest change from Q1 2026 among the key lines here. Dakota Community Bank & Trust, N.A. ranks 13th of 60 North Dakota banks on return on assets, in the upper half at 1.89% (Q2 2026). Dakota Community Bank & Trust, N.A. reported 1.89% on return on assets for Q2 2026, 0.62 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.32% |
| Tier 1 risk-based capital ratio | 13.32% |
| Total risk-based capital ratio | 14.36% |
| Tier 1 leverage ratio | 9.07% |
| Equity capital to assets | 8.58% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.54% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 1420.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 22.89% |
| Net interest margin | 3.67% |
| Efficiency ratio | 49.97% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.82% |
| Core deposits to total deposits | 85.85% |
| Brokered deposits to total deposits | 1.67% |
| Deposits to assets | 89.38% |
| Securities to assets | 31.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.48% | 12.48% | 13.73% | 7.76% | 1.36% |
| Q4 2023 | 13.06% | 13.06% | 14.30% | 7.71% | 1.49% |
| Q1 2024 | 13.26% | 13.26% | 14.49% | 8.02% | 1.15% |
| Q2 2024 | 13.13% | 13.13% | 14.34% | 8.24% | 1.37% |
| Q3 2024 | 13.35% | 13.35% | 14.54% | 8.69% | 1.45% |
| Q4 2024 | 13.45% | 13.45% | 14.65% | 8.42% | 1.69% |
| Q1 2025 | 13.62% | 13.62% | 14.80% | 8.70% | 1.36% |
| Q2 2025 | 13.32% | 13.32% | 14.46% | 8.52% | 1.62% |
| Q3 2025 | 13.64% | 13.64% | 14.78% | 8.73% | 1.77% |
| Q4 2025 | 13.47% | 13.47% | 14.58% | 8.51% | 1.96% |
| Q1 2026 | 13.83% | 13.83% | 14.92% | 8.93% | 1.77% |
| Q2 2026 | 13.32% | 13.32% | 14.36% | 9.07% | 1.89% |
Dakota Community Bank & Trust, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Community Bank & Trust, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dakota Community Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15728) · FFIEC NIC profile (RSSD 815156)