DNB National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks DNB National Bank of Clear Lake, SD against its peer group of 2757 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 | 1.93% | 1.25% | +0.68% | 83rd top |
| ROAE | 30.98% | 12.22% | +18.76% | 98th top |
| Net Interest Margin | 3.20% | 3.95% | -0.75% | 15th bottom |
| Efficiency Ratio | 55.21% | 63.71% | -8.50% | 68th above |
| PPNR / Avg Assets | 2.01% | — | — | 72nd above |
| Yield on Earning Assets | 4.27% | 5.67% | -1.40% | 5th bottom |
| Cost of Funds | 1.13% | 1.87% | -0.74% | 87th top |
| Net Interest Spread | 2.71% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.52% | — | — | 80th top |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.04% | 17.18% | +4.86% | 83rd top |
| Tier 1 Ratio | 22.04% | 17.21% | +4.83% | 83rd top |
| Total Capital Ratio | 22.98% | — | — | 82nd top |
| Leverage Ratio | 8.89% | 11.75% | -2.86% | 10th bottom |
| Equity / Assets | 6.24% | 10.98% | -4.74% | 3rd bottom |
| TCE / Tangible Assets | 6.08% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 26.77% | 80.44% | -53.67% | 99th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.32% | 86.95% | +1.37% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.33% | — | — | 70th above |
| Loan Growth (Y/Y) | 3.17% | — | — | 36th below |
| Deposit Growth (Y/Y) | 6.99% | — | — | 70th above |
See DNB National Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock DNB National 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 DNB National Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the DNB National Bank peer analysis.