Dakota Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dakota Heritage Bank of Hunter, ND against its peer group of 2672 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 | 1.91% | 1.34% | +0.57% | 82nd top |
| ROAE | 21.15% | 13.31% | +7.84% | 90th top |
| Net Interest Margin | 4.05% | 3.93% | +0.12% | 56th above |
| Efficiency Ratio | 48.30% | 61.14% | -12.84% | 84th top |
| PPNR / Avg Assets | 2.01% | 1.68% | +0.33% | 73rd above |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds | 2.18% | 1.88% | +0.30% | 27th below |
| Net Interest Spread | 3.52% | 3.32% | +0.20% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.94% | +0.39% | 21st bottom |
| NPA / Total Assets | 1.11% | 0.70% | +0.41% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 95.27% | 1539.31% | -1444.04% | 26th below |
| Texas Ratio | 14.77% | 7.33% | +7.44% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 152.83% | 1396.25% | -1243.42% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.83% | 12.14% | -2.31% | 28th below |
| Equity / Assets | 9.21% | 11.38% | -2.17% | 30th below |
| TCE / Tangible Assets | 8.95% | 11.09% | -2.14% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.55% | 80.63% | +13.92% | 19th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.72% | 86.86% | +0.86% | 42nd below |
| Wholesale Funding Ratio | 2.02% | 5.04% | -3.02% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.35% | 6.85% | -4.50% | 35th below |
| Loan Growth (Y/Y) | 3.44% | 7.90% | -4.46% | 39th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.44% | 6.29% | -1.85% | 53rd above |
See Dakota Heritage Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dakota Heritage Bank, 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 Heritage Bank profile, how to read a UBPR, or how this data updates.