DNB National Bank
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Data as of · sourced from FFIEC call reports. How we update
DNB National Bank is an FDIC-insured commercial bank headquartered in Clear Lake, SD, established in 1926 (FDIC certificate 3977), and it is supervised by the OCC. At Q2 2026 it reported total assets of $124.1M, up 7.3% from Q2 2025, the 41st largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 22.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3977
- Headquarters
- Clear Lake, SD
- Established
- 1926
- Total assets, Q2 2026
- $124.1M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 22.04%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091408462
- Holding company
- DCNB HOLDING COMPANY
- Asset rank in state
- 41st of 56 in South Dakota
DNB National Bank is one of the more profitable banks of its size. Its balance sheet stood at $124 million at June 30, 2026, up 7.3% from a year earlier; it is based in Clear Lake, South Dakota. It returns 31.0% a year on shareholders' equity, 2.5 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $593,000, 32% above the same quarter a year earlier. Over the same year, loans grew 3.2% and deposits grew 7.0%. Where it has less room is capital: it funds 8.89% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, DNB National Bank reported a CET1 capital ratio of 22.04%, a return on assets of 1.93%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
DNB National Bank ranks as the 41st largest of the 56 banks based in South Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.8% to $124.1M, loans rose 4.7% and deposits rose 4.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 27.9% of total loans, ahead of 1-4 family residential loans at 17.4%. The FDIC Summary of Deposits lists 2 offices for it, in Clear Lake, SD and Gary, SD; its Clear Lake office books 88% of its branch deposits. Judged on its Q2 2026 call report, DNB National Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1926
- Former names
- Deuel County National Bank (1978-2007)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $114.3M
- Allowance for credit losses
- $466K
- Net charge-offs (YTD)
- $0
- Average total assets
- $122.9M
- Average total loans
- $27.0M
- Average interest-bearing deposits
- $77.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3977
- Fed RSSD
- 401559
- Website
- www.dnbanks.com →
- Parent Holding Company
- DCNB HOLDING COMPANY (RSSD 2359962)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, DNB National Bank's total assets ranged from $106.3M (Q1 2024) to $124.1M (Q2 2026), 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
$124.1M total assets against $115.7M; $116.4M total liabilities against $108.8M.
$30.1M net loans and leases against $29.2M; $114.3M total deposits against $106.9M.
$82.7M securities against $75.5M; $5.9M cash and balances due against $5.8M.
$1.2M total interest income against $1.1M; $310K total interest expense against $318K.
$910K net interest income against $759K.
$499K total noninterest income against $436K; $790K total noninterest expense against $723K.
$0 provision for credit losses against $0.
$593K net income against $449K.
1.93% return on assets against 1.60%; 3.20% net interest margin against 3.01%.
22.04% CET1 capital ratio against 22.05%; 8.89% tier 1 leverage ratio against 9.39%.
Inside the full DNB National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
DNB National Bank rankings
Its closest position to the top of a national ranking is 247 of 2,134, for CET1 ratio; its furthest is 3,613 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q4 2024) to 2.09% (Q1 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.04% | 1.93% | 0.00% | 0.00% | 3.20% |
| Q1 2026 | 22.77% | 2.09% | 0.00% | 0.00% | 3.19% |
| Q4 2025 | 22.33% | 1.09% | 0.00% | 0.00% | 3.16% |
| Q3 2025 | 22.03% | 1.39% | 0.00% | 0.00% | 2.95% |
| Q2 2025 | 22.05% | 1.60% | 0.07% | 0.28% | 3.01% |
| Q1 2025 | 22.50% | 1.50% | 0.11% | 0.48% | 2.69% |
| Q4 2024 | 22.45% | 0.84% | 0.11% | 0.50% | 2.54% |
| Q3 2024 | 21.90% | 1.08% | 0.11% | 0.54% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| DNB National Bank (main office) | Clear Lake , SD | 57226 | $101.0M |
| Gary Branch | Gary , SD | 57237 | $13.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 15, 1997, OCC: Formal Agreement: Deuel County National Bank
- Period: Most recent institution action October 15, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in SD, rank 48 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 DNB National Bank
What are DNB National Bank's total assets?
As of the Q2 2026 filing, DNB National Bank reported total assets of $124.1 million in its FFIEC call report.
Where is DNB National Bank headquartered?
It is headquartered in Clear Lake, SD, United States.
When was DNB National Bank founded?
It was established in 1926, per the FDIC institution directory.
Is DNB National Bank FDIC-insured?
Yes. It 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.
What is DNB National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does DNB National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is DNB National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 DNB National Bank previously called?
The charter now named DNB National Bank has also operated as Deuel County National Bank (1978-2007), per FDIC structure-change records.
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