BlastPoint's Banking Scorecard
DNB NATIONAL BANK
Micro
Specialty: Agricultural
SD
FDIC cert 3977
Designations: ✓ Community bank
Clear Lake, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
DNB NATIONAL BANK has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.96% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 44.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.8M
+6.5% YoY
+1.5% QoQ
|
-$100.7M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$31.7M
+12.5% YoY
+2.5% QoQ
|
-$107.5M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$106.1M
+6.7% YoY
+0.4% QoQ
|
-$77.5M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.39%
+27.6% YoY
-6.6% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
2.90%
+24.9% YoY
+3.3% QoQ
|
-0.95% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
65.39%
-4.4% YoY
+4.3% QoQ
|
-2.33% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
29.85%
+5.5% YoY
+2.1% QoQ
|
-44.68% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.15%
+2.7% YoY
+11.5% QoQ
|
+9.76% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.33%
-0.5% YoY
+1.4% QoQ
|
+13.48% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
1.52%
+1.6% YoY
+30.9% QoQ
|
+0.96% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.52%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
29.85%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Non-Interest Income / Assets
Current: 1.52% · Tier avg: 0.56%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.33% · Tier avg: 8.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.15% · Tier avg: 22.39%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
52
52th pctile
Efficiency Ratio
Current: 65.39% · Tier avg: 67.73%
31
31th pctile
Total Deposits
Current: $106.1M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $116.8M · Tier avg: $217.5M
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
11
11th pctile
Total Loans
Current: $31.7M · Tier avg: $139.2M
2
2th pctile
Loan-to-Deposit Ratio
Current: 29.85% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 29.85% · Tier avg: 74.53%
11
11th pctile
Total Loans
Current: $31.7M · Tier avg: $139.2M
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
28
28th pctile
Total Assets
Current: $116.8M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $106.1M · Tier avg: $183.7M
52
52th pctile
Efficiency Ratio
Current: 65.39% · Tier avg: 67.73%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.15% · Tier avg: 22.39%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.33% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.52% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%