Dakota Heritage Bank
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Data as of · sourced from FFIEC call reports. How we update
Dakota Heritage Bank is an FDIC-insured commercial bank headquartered in Hunter, ND, established in 1945 (FDIC certificate 16231), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $416.8M, up 2.4% from Q2 2025, the 23rd largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16231
- Headquarters
- Hunter, ND
- Established
- 1945
- Total assets, Q2 2026
- $416.8M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 9.83%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 091302872
- Latest call report
- Q2 2026, FFIEC 051 · Dakota Heritage Bank call report
- Holding company
- HUNTER HOLDING COMPANY
- Asset rank in state
- 23rd of 60 in North Dakota
Problem loans are rising at Dakota Heritage Bank. The Hunter, North Dakota bank had $417 million in assets at June 30, 2026, up 2.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.62% of loans from 0.60% a year earlier. It returns 21.2% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Dakota Heritage Bank reported a return on assets of 1.91%, a nonperforming-loan ratio of 1.62% and a Texas ratio of 13.54%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, Dakota Heritage Bank is the 23rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $416.8M, loans rose 2.3% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 42.1% of total loans, ahead of farmland and other real estate loans at 24.8%. The FDIC Summary of Deposits lists 11 offices for it, in 11 cities across 2 states; its Red Lake Falls office books 22% of its branch deposits. Judged on its Q2 2026 call report, Dakota Heritage Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 109 Main St, Hunter, ND 58048
- County
- Cass
- Metro Area
- Fargo, ND-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 8, 1945
- Former names
- Dakota Heritage Bank of North Dakota (2005-2019)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $366.8M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $53K
- Average total assets
- $417.8M
- Average total loans
- $336.2M
- Average interest-bearing deposits
- $310.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 8, 1945
- FDIC Cert
- 16231
- Fed RSSD
- 860352
- Website
- www.dhb.bank →
- Parent Holding Company
- HUNTER HOLDING COMPANY (RSSD 1125674)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Dakota Heritage Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Dakota Heritage Bank's total assets ranged from $339.7M (Q3 2023) to $424.5M (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
$416.8M total assets against $407.2M; $378.4M total liabilities against $374.0M.
$342.5M net loans and leases against $331.2M; $366.8M total deposits against $351.3M.
$47.1M securities against $48.1M; $9.1M cash and balances due against $9.3M.
$6.0M total interest income against $5.9M; $2.0M total interest expense against $2.2M.
$3.9M net interest income against $3.7M.
$197K total noninterest income against $141K; $2.0M total noninterest expense against $1.9M.
$50K provision for credit losses against $38K.
$2.0M net income against $1.8M.
1.91% return on assets against 1.83%; 4.05% net interest margin against 3.97%.
9.83% tier 1 leverage ratio against 9.26%.
Inside the full Dakota Heritage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDakota Heritage Bank rankings
Its closest position to the top of a national ranking is 374 of 3,640, for Texas Ratio; its furthest is 2,003 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.27% (Q4 2024) to 2.02% (Q1 2026) and its net interest margin ran from 3.72% (Q4 2024) to 4.13% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.83% | 1.91% | 1.62% | 13.54% | 4.05% |
| Q1 2026 | 9.49% | 2.02% | 1.67% | 14.13% | 4.13% |
| Q4 2025 | 9.26% | 1.72% | 1.14% | 10.19% | 4.00% |
| Q3 2025 | 9.18% | 1.75% | 0.69% | 6.24% | 4.02% |
| Q2 2025 | 9.26% | 1.83% | 0.60% | 5.53% | 3.97% |
| Q1 2025 | 9.31% | 1.39% | 0.54% | 4.82% | 3.92% |
| Q4 2024 | 9.16% | 1.27% | 0.46% | 4.23% | 3.72% |
| Q3 2024 | 9.24% | 1.46% | 0.41% | 3.63% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Red Lake Falls Branch | Red Lake Falls , MN | 56750 | $79.0M |
| The National Bank of Harvey Main Office Branch | Harvey , ND | 58341 | $66.6M |
| Hillsboro Branch | Hillsboro , ND | 58045 | $60.8M |
| Hope Branch | Hope , ND | 58046 | $34.6M |
| Dakota Heritage Bank (main office) | Hunter , ND | 58048 | $34.3M |
| Dakota Heritage Bank Branch | Gackle , ND | 58442 | $29.9M |
| State Bank of Streeter Branch | Streeter , ND | 58483 | $16.3M |
| Medina Branch | Medina , ND | 58467 | $15.5M |
| Paying and Receiving Branch | Galesburg , ND | 58035 | $15.3M |
| Jud Branch | Jud , ND | 58454 | $8.7M |
| Paying and Receiving Branch | Grandin , ND | 58038 | $5.8M |
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 |
|---|---|---|---|
| March 21, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 21, 2015 | Structure Change | Acquired The National Bank of Harvey Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 21, 2009 | Structure Change | Acquired Dakota Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | Structure Change | Acquired First State Bank of Hope 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in ND, rank 29 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 62 loans originated, $8.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $588K approved, $588K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 Heritage Bank
What are Dakota Heritage Bank's total assets?
As of the Q2 2026 filing, Dakota Heritage Bank reported total assets of $416.8 million in its FFIEC call report.
Where is Dakota Heritage Bank headquartered?
It is headquartered in Hunter, ND, United States.
When was Dakota Heritage Bank founded?
It was established in 1945, per the FDIC institution directory.
Is Dakota Heritage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dakota Heritage Bank?
Dakota Heritage Bank's primary federal regulator is the FDIC.
How many branches does Dakota Heritage Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dakota Heritage Bank's Texas Ratio?
Its Texas Ratio is 13.54% 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 Heritage Bank previously called?
The charter now named Dakota Heritage Bank has also operated as Dakota Heritage Bank of North Dakota (2005-2019), per FDIC structure-change records.
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