TellerScore

Dakota Heritage Bank (FDIC certificate #16231) is based in Hunter, North Dakota. Its Q2 2026 call report shows $416.8M in total assets and $366.8M in deposits and 11 offices across 2 states.

Dakota Heritage Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 45th. Earnings contributes the most (98/100, 1.96%); loan quality contributes the least (46/100, 1.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.83%
Loan quality46/100
Noncurrent loans ÷ total loans: 1.62%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 93.4% · 15.6% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.16%

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 fell 6 points (69 → 63), mostly because the loan quality component weakened by 34 points.

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202469
Q4 202469
Q1 202568
Q2 202569
Q3 202568
Q4 202563
Q1 202662
Q2 202663
Tier 1 leverage ratio
5.00%7.42%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.58%
Q3 20249.24%
Q4 20249.16%
Q1 20259.31%
Q2 20259.26%
Q3 20259.18%
Q4 20259.26%
Q1 20269.49%
Q2 20269.83%
Noncurrent loans
0.35%1.01%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.41%
Q4 20240.46%
Q1 20250.54%
Q2 20250.60%
Q3 20250.69%
Q4 20251.14%
Q1 20261.67%
Q2 20261.62%
Return on assets
1.39%1.70%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.51%
Q4 20241.45%
Q1 20251.39%
Q2 20251.61%
Q3 20251.66%
Q4 20251.68%
Q1 20262.02%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$416.8M9.83%1.62%1.96%93.4%
Q1 202662$418.3M9.49%1.67%2.02%88.4%
Q4 202563$424.5M9.26%1.14%1.68%96.7%
Q3 202568$417.1M9.18%0.69%1.66%95.1%
Q2 202569$407.2M9.26%0.60%1.61%94.3%
Q1 202568$402.0M9.31%0.54%1.39%84.1%
Q4 202469$383.3M9.16%0.46%1.45%90.1%
Q3 202469$385.0M9.24%0.41%1.51%93.9%
Q2 202472$359.7M9.58%0.35%1.54%90.0%

2,650 peers · $100 million – $1 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 ratio9.83%
27th
Total risk-based capital0.00%
24th
Problem loans1.62%
17th
Net charge-offs0.03%
34th
Return on assets1.96%
86th
Net interest margin4.05%
56th
Efficiency ratio47.8%
87th
Loans to deposits93.4%
19th
Uninsured deposits15.6%
80th
Loan-loss reserves1.27%
59th
Texas ratio13.2%
12th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Dakota Western BankBank Bowman, ND76 out of 100, Strong$416.2M11.6%0.84%vs
The Bank of TiogaBank Tioga, ND63 out of 100, Moderate$412.1M9.4%1.15%vs
First State BankBank Buxton, ND75 out of 100, Strong$424.2M9.8%0.00%vs
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
TruCommunity BankBank Garrison, ND58 out of 100, Moderate$338.2M11.1%2.18%vs
Stock Growers BankBank Forman, ND86 out of 100, Very strong$332.9M11.6%0.05%vs

Deposit insurance

Is my money safe at Dakota Heritage Bank?

Yes. Dakota Heritage Bank is an FDIC-insured institution (FDIC certificate #16231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($57.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Dakota Heritage Bank lists 11 offices in 11 cities across 2 states. Most locations:

  • Gackle, ND (1)
  • Galesburg, ND (1)
  • Grandin, ND (1)
  • Harvey, ND (1)
  • Hillsboro, ND (1)
  • Hope, ND (1)
  • Hunter, ND (1)
  • Jud, ND (1)
  • Medina, ND (1)
  • Red Lake Falls, MN (1)
  • Streeter, ND (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dakota Heritage Bank reported 66 home-loan applications under HMDA (LEI 254900R1W1FMZ4RIZ113): 62 originated ($8,390,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.1%, 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 Heritage Bank
Former names
Security State Bank of Hunter; Dakota Heritage Bank of North Dakota
Type
State-chartered bank
FDIC certificate #
16231
RSSD ID
860352
Primary regulator
FDIC
Holding company
Hunter Holding Co
Established
February 8, 1945
Headquarters
109 Main St, Hunter, ND 58048
Employees
54

Quick answers

Dakota Heritage Bank: common questions

Is Dakota Heritage Bank FDIC insured?

Yes. Dakota Heritage Bank is an FDIC-insured institution (FDIC certificate #16231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dakota Heritage Bank's TellerScore?

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

Has Dakota Heritage Bank ever failed?

There is no failure record for FDIC certificate #16231 in the FDIC failed bank list.

How many branches does Dakota Heritage Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Hunter

InstitutionScoreAssetsCapitalProblem loansCompare
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
BankNorthBank Arthur, ND72 out of 100, Strong$694.1M10.3%0.58%vs
Cce Federal Credit UnionCredit union Fargo, ND72 out of 100, Strong$14.0M18.5%3.34%vs
The Goose River BankBank Mayville, ND62 out of 100, Moderate$173.4M11.5%1.71%vs