DNB NATIONAL BANK: how it compares with its peers
Against 16 SD banks with half to twice its assets, DNB NATIONAL BANK's strongest measure in Q2 2026 is return on assets (2.01% vs. a 1.84% peer median). Its weakest relative measure is net interest margin (3.15% vs. 3.95%).
| Measure | DNB NATIONAL BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.84% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 3.95% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.52% | 52.75% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $8.4M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 26.36% | 63.44% | Context |
What it means for lending operations
Its efficiency ratio of 54.52% is above the 52.75% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Security State Bank Alexandria, SD · $103M
- First State Bank of Roscoe Roscoe, SD · $147M
- Great Plains Bank Eureka, SD · $150M
- Citizens State Bank, of Arlington Arlington, SD · $153M
- Heartland State Bank Redfield, SD · $154M
- Western Dakota Bank Timber Lake, SD · $86M
Questions about DNB NATIONAL BANK
How big is DNB NATIONAL BANK?
DNB NATIONAL BANK, established in 1926, is headquartered in Clear Lake, SD. It reported $124M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is DNB NATIONAL BANK's return on assets?
2.01% annualized in Q2 2026, against a 1.84% median for 16 SD banks with half to twice its assets, ahead of 69% of them.
What is DNB NATIONAL BANK's efficiency ratio?
54.52% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 52.75%, and lower is better.
Is DNB NATIONAL BANK growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 7.0%.
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 SD 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 South Dakota bank ranked.