TellerScore

Headquartered in Hebron, North Dakota, Dakota Community Bank & Trust, National Association is a national bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 1940.

Dakota Community Bank & Trust, National Association has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 14th. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (41/100, 9.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.07%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings93/100
Return on assets (annualized): 1.83%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 67.0% · 32.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.53%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the earnings component improved by 13 points.

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202472
Q1 202572
Q2 202573
Q3 202574
Q4 202574
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%7.04%9.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.24%
Q3 20248.69%
Q4 20248.42%
Q1 20258.70%
Q2 20258.52%
Q3 20258.73%
Q4 20258.51%
Q1 20268.93%
Q2 20269.07%
Noncurrent loans
0.05%0.07%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.05%
Q4 20240.05%
Q1 20250.06%
Q2 20250.05%
Q3 20250.09%
Q4 20250.09%
Q1 20260.09%
Q2 20260.08%
Return on assets
1.27%1.55%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.33%
Q4 20241.42%
Q1 20251.35%
Q2 20251.50%
Q3 20251.60%
Q4 20251.69%
Q1 20261.76%
Q2 20261.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.4B9.07%0.08%1.83%67.0%
Q1 202676$1.4B8.93%0.09%1.76%63.0%
Q4 202574$1.4B8.51%0.09%1.69%60.6%
Q3 202574$1.3B8.73%0.09%1.60%62.2%
Q2 202573$1.3B8.52%0.05%1.50%62.7%
Q1 202572$1.3B8.70%0.06%1.35%60.0%
Q4 202472$1.3B8.42%0.05%1.42%59.3%
Q3 202472$1.2B8.69%0.05%1.33%62.6%
Q2 202470$1.2B8.24%0.06%1.27%60.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.07%
14th
Total risk-based capital14.36%
58th
Problem loans0.08%
89th
Net charge-offs0.00%
75th
Return on assets1.83%
83rd
Net interest margin3.44%
33rd
Efficiency ratio52.0%
71st
Loans to deposits67.0%
87th
Uninsured deposits32.9%
44th
Loan-loss reserves1.16%
52nd
Texas ratio0.5%
90th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Bank ForwardBank Fargo, ND70 out of 100, Strong$1.1B10.2%0.67%vs
Border BankBank Fargo, ND57 out of 100, Moderate$1.1B9.1%1.07%vs
Cornerstone BankBank Fargo, ND47 out of 100, Below average$1.9B9.6%2.35%vs
Starion BankBank Bismarck, ND56 out of 100, Moderate$2.1B9.4%1.45%vs
First Western Bank & TrustBank Minot, ND55 out of 100, Moderate$2.4B9.6%1.42%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs

Deposit insurance

Is my money safe at Dakota Community Bank & Trust, National Association?

Yes. Dakota Community Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #15728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.9% of deposits ($408.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.36% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Dakota Community Bank & Trust, National Association lists 13 offices in 11 cities across 2 states. Most locations:

  • Bismarck, ND (2)
  • Dickinson, ND (2)
  • Bowman, ND (1)
  • Glen Ullin, ND (1)
  • Hebron, ND (1)
  • Lincoln, ND (1)
  • Mandan, ND (1)
  • Mobridge, SD (1)
  • New Leipzig, ND (1)
  • Richardton, ND (1)
  • Taylor, ND (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dakota Community Bank & Trust, National Association reported 372 home-loan applications under HMDA (LEI 5493002POZ4RFS6X0Z30): 295 originated ($83,395,000 total), 16 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Dakota Community Bank & Trust, National Association
Former names
Dakota Community Bank; Dakota Community Bank, National Association; Security Bank of Hebron
Type
National bank
FDIC certificate #
15728
RSSD ID
815156
Primary regulator
OCC
Holding company
Dakota Community Banshares Inc
Established
January 1, 1940
Headquarters
609 Main St, Hebron, ND 58638
Employees
169

Quick answers

Dakota Community Bank & Trust, National Association: common questions

Is Dakota Community Bank & Trust, National Association FDIC insured?

Yes. Dakota Community Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #15728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dakota Community Bank & Trust, National Association's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Dakota Community Bank & Trust, National Association ever failed?

There is no failure record for FDIC certificate #15728 in the FDIC failed bank list.

How many branches does Dakota Community Bank & Trust, National Association have?

13 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Hebron

InstitutionScoreAssetsCapitalProblem loansCompare
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs
The Union BankBank Beulah, ND64 out of 100, Moderate$312.2M10.1%1.38%vs