BlastPoint's Banking Scorecard
Dakota Community Bank & Trust, National Association
Community
Specialty: Agricultural
ND
FDIC cert 15728
Hebron, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
Dakota Community Bank & Trust, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17% in Community
- + Loan-to-Deposit Ratio 22.42% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
- - Credit Risk Growth: Bottom 47% in Community
- - Non-Interest-Bearing Deposit Share 11.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+9.7% YoY
+5.2% QoQ
|
+$5.1M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$761.8M
+10.4% YoY
+2.9% QoQ
|
-$213.6M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$1.3B
+7.9% YoY
+5.5% QoQ
|
+$91.6M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.69%
+19.3% YoY
+6.1% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.22%
+10.3% YoY
+1.7% QoQ
|
-0.44% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
54.61%
-6.7% YoY
-1.9% QoQ
|
-8.02% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.09%
+73.7% YoY
-6.9% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
60.65%
+2.3% YoY
-2.5% QoQ
|
-22.42% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.23%
-11.2% YoY
+0.7% QoQ
|
-11.82% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+74.8% YoY
-8.8% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
13.47%
+0.2% YoY
-1.3% QoQ
|
+3.23% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.61%
-1.3% YoY
+49.9% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#63 of 371 · Top 17% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.65%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Credit Quality Pressure
risk
#62 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#301 of 642 · Bottom 47% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.23%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.65% · Tier avg: 83.06%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
74
74th pctile
Efficiency Ratio
Current: 54.61% · Tier avg: 62.63%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
62
62th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 10.24%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
54
54th pctile
Total Loans
Current: $761.8M · Tier avg: $975.5M
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.23% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.23% · Tier avg: 21.05%
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
54
54th pctile
Total Loans
Current: $761.8M · Tier avg: $975.5M
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 10.24%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
74
74th pctile
Efficiency Ratio
Current: 54.61% · Tier avg: 62.63%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.65% · Tier avg: 83.06%