Dakota Community Bank & Trust, National Association: how it compares with its peers
Against 9 ND banks with half to twice its assets, Dakota Community Bank & Trust, National Association's strongest measure in Q2 2026 is return on assets (1.83% vs. a 1.25% peer median). Its weakest relative measure is net interest margin (3.44% vs. 4.00%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.25% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 4.00% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.04% | 65.18% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.6M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.04% | 95.64% | Context |
What it means for lending operations
Its efficiency ratio of 52.04% is better than the 65.18% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank Forward Fargo, ND · $1.13B
- Border Bank Fargo, ND · $1.06B
- Cornerstone Bank Fargo, ND · $1.85B
- First United Bank Park River, ND · $811M
- American Federal Bank Fargo, ND · $796M
- United Valley Bank Cavalier, ND · $752M
Questions about Dakota Community Bank & Trust, National Association
How big is Dakota Community Bank & Trust, National Association?
Dakota Community Bank & Trust, National Association, established in 1940, is headquartered in Hebron, ND. It reported $1.39B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Dakota Community Bank & Trust, National Association's return on assets?
1.83% annualized in Q2 2026, against a 1.25% median for 9 ND banks with half to twice its assets, ahead of 89% of them.
What is Dakota Community Bank & Trust, National Association's efficiency ratio?
52.04% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 65.18%, and lower is better.
Is Dakota Community Bank & Trust, National Association growing its loans?
Net loans grew 13.4% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.