Dnb National Bank
This quarter marks the 100-year anniversary of Dnb National's 1926 charter. Operating from Clear Lake, SD, Dnb National Bank serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $120M in total assets and $110M in deposits. Returns are notably above industry norms: 2.09% ROA, 31.38% ROE, and 3.19% NIM. Capital cushions are healthy: 22.77% CET1, 9.26% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. 2 branches make up the footprint.
Headquarters Profile
- Address
- 305 4th St W, CLEAR LAKE, SD 57226
- County
- Deuel
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 11
- Established
- January 1, 1926
- Branches
- 2 domestic
- Employees (FTE)
- 14
- FDIC Cert
- 3977
- Fed RSSD
- 401559
- Website
- www.dnbanks.com →
- Parent Holding Company
- DCNB HOLDING COMPANY (RSSD 2359962)
Capital & Liquidity
Inside the full Dnb National Bank terminal
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Dnb National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Dnb National Bank
What are Dnb National Bank's total assets?
As of the Q1 2026 filing, Dnb National Bank reported total assets of $119.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Dnb National Bank headquartered?
Dnb National Bank is headquartered in CLEAR LAKE, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Dnb National Bank founded?
Dnb National Bank was established in 1926, per the FDIC institution directory.
Is Dnb National Bank FDIC-insured?
Yes. Dnb National Bank is an FDIC-insured commercial bank (FDIC Certificate #3977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dnb National Bank?
Dnb National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Dnb National Bank's CET1 capital ratio?
Dnb National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.77% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Dnb National Bank operate?
Dnb National Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Dnb National Bank's Texas Ratio?
Dnb National Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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