DNB National 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.
Core deposits to total deposits climbed 2.14 percentage points in Q2 2026, from 86.18% to 88.32%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, DNB National Bank is 17th of 56 on return on assets, 1.93% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, DNB National Bank reported 1.93% on return on assets in Q2 2026, 0.67 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.04% |
| Tier 1 risk-based capital ratio | 22.04% |
| Total risk-based capital ratio | 22.98% |
| Tier 1 leverage ratio | 8.89% |
| Equity capital to assets | 6.24% |
| Tangible equity to tangible assets | 6.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 30.98% |
| Net interest margin | 3.20% |
| Efficiency ratio | 55.21% |
| Yield on earning assets | 4.27% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.77% |
| Core deposits to total deposits | 88.32% |
| Brokered deposits to total deposits | 8.01% |
| Deposits to assets | 92.11% |
| Securities to assets | 66.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.36% | 21.36% | 22.36% | 9.20% | 0.66% |
| Q4 2023 | 21.13% | 21.13% | 22.10% | 9.17% | 0.64% |
| Q1 2024 | 21.26% | 21.26% | 22.24% | 9.22% | 1.30% |
| Q2 2024 | 21.27% | 21.27% | 22.25% | 9.24% | 1.14% |
| Q3 2024 | 21.90% | 21.90% | 22.90% | 9.31% | 1.08% |
| Q4 2024 | 22.45% | 22.45% | 23.46% | 9.45% | 0.84% |
| Q1 2025 | 22.50% | 22.50% | 23.53% | 9.35% | 1.50% |
| Q2 2025 | 22.05% | 22.05% | 23.01% | 9.39% | 1.60% |
| Q3 2025 | 22.03% | 22.03% | 22.93% | 9.66% | 1.39% |
| Q4 2025 | 22.33% | 22.33% | 23.25% | 9.60% | 1.09% |
| Q1 2026 | 22.77% | 22.77% | 23.74% | 9.26% | 2.09% |
| Q2 2026 | 22.04% | 22.04% | 22.98% | 8.89% | 1.93% |
DNB National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock DNB National 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 DNB National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3977) · FFIEC NIC profile (RSSD 401559)