Dakota Heritage Bank: 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 dropped 8.64 percentage points in Q2 2026, from 103.91% to 95.27%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Dakota Heritage Bank is 12th of 60 on return on assets, 1.91% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Dakota Heritage Bank reported 1.91% on return on assets in Q2 2026, 0.65 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.83% |
| Equity capital to assets | 9.21% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.33% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 14.77% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 95.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 21.15% |
| Net interest margin | 4.05% |
| Efficiency ratio | 48.30% |
| Yield on earning assets | 6.12% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.55% |
| Core deposits to total deposits | 87.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.03% |
| Securities to assets | 11.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.64% | 1.50% | 3.91% | 0.26% | 0.00% |
| Q4 2023 | 9.39% | 1.34% | 3.69% | 0.27% | 0.09% |
| Q1 2024 | 9.56% | 1.43% | 3.93% | 0.31% | 0.02% |
| Q2 2024 | 9.58% | 1.64% | 3.90% | 0.28% | 0.04% |
| Q3 2024 | 9.24% | 1.46% | 3.74% | 0.26% | 0.02% |
| Q4 2024 | 9.16% | 1.27% | 3.72% | 0.28% | 0.02% |
| Q1 2025 | 9.31% | 1.39% | 3.92% | 0.26% | -0.02% |
| Q2 2025 | 9.26% | 1.83% | 3.97% | 0.30% | 0.15% |
| Q3 2025 | 9.18% | 1.75% | 4.02% | 0.68% | 0.10% |
| Q4 2025 | 9.26% | 1.72% | 4.00% | 1.24% | 0.03% |
| Q1 2026 | 9.49% | 2.02% | 4.13% | 1.25% | -0.00% |
| Q2 2026 | 9.83% | 1.91% | 4.05% | 1.33% | 0.06% |
Dakota Heritage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Heritage Bank, 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 Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16231) · FFIEC NIC profile (RSSD 860352)