Headquartered in Clear Lake, South Dakota, Dnb National Bank is a national bank with $124.1M in total assets and $114.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1926.
Based on its Q2 2026 filing, Dnb National Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 21st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (39/100; 8.89%).
TellerScore · Q2 2026
Scorecard
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 (76 → 79), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 81 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.24% |
| Q3 2024 | 9.31% |
| Q4 2024 | 9.45% |
| Q1 2025 | 9.35% |
| Q2 2025 | 9.39% |
| Q3 2025 | 9.66% |
| Q4 2025 | 9.60% |
| Q1 2026 | 9.26% |
| Q2 2026 | 8.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.18% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.39% |
| Q1 2026 | 2.08% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $124.1M | 8.89% | 0.00% | 2.01% | 26.4% |
| Q1 2026 | 81 | $119.6M | 9.26% | 0.00% | 2.08% | 26.2% |
| Q4 2025 | 76 | $116.8M | 9.60% | 0.00% | 1.39% | 29.8% |
| Q3 2025 | 77 | $115.1M | 9.66% | 0.00% | 1.49% | 29.2% |
| Q2 2025 | 76 | $115.7M | 9.39% | 0.07% | 1.55% | 27.3% |
| Q1 2025 | 77 | $109.7M | 9.35% | 0.11% | 1.52% | 27.4% |
| Q4 2024 | 73 | $109.7M | 9.45% | 0.11% | 1.09% | 28.3% |
| Q3 2024 | 73 | $108.3M | 9.31% | 0.11% | 1.18% | 28.6% |
| Q2 2024 | 74 | $110.1M | 9.24% | 0.12% | 1.22% | 30.1% |
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).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Alexandria, SD | 36 out of 100, Low | $103.0M | 8.2% | 3.72% | vs |
| First State Bank of RoscoeBank Roscoe, SD | 92 out of 100, Very strong | $147.5M | 13.8% | 0.00% | vs |
| Great Plains BankBank Eureka, SD | 65 out of 100, Moderate | $150.4M | 17.7% | 3.49% | vs |
| Citizens State Bank, of ArlingtonBank Arlington, SD | 82 out of 100, Strong | $153.2M | 11.7% | 0.00% | vs |
| Heartland State BankBank Redfield, SD | 79 out of 100, Strong | $154.0M | 9.9% | 0.00% | vs |
| Farmers and Merchants State BankBank Plankinton, SD | 73 out of 100, Strong | $180.4M | 11.0% | 0.76% | vs |
Deposit insurance
Is my money safe at Dnb National Bank?
Yes. Dnb National Bank is an FDIC-insured institution (FDIC certificate #3977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.4% of deposits ($38.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.98% (benchmark: 10%).
2 locations
Branches
Dnb National Bank lists 2 offices in 2 cities. Most locations:
- Clear Lake, SD (1)
- Gary, SD (1)
Identity & history
Profile
- Legal name
- Dnb National Bank
- Former names
- Deuel County National Bank; The Deuel County National Bank of Clear Lake
- Type
- National bank
- FDIC certificate #
- 3977
- RSSD ID
- 401559
- Primary regulator
- OCC
- Holding company
- Dcnb Holding Co
- Established
- January 1, 1926
- Headquarters
- 305 4th St W, Clear Lake, SD 57226
- Website
- www.dnbanks.com
- Employees
- 15
Quick answers
Dnb National Bank: common questions
Is Dnb National Bank FDIC insured?
Yes. Dnb National Bank is an FDIC-insured institution (FDIC certificate #3977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Dnb National Bank's TellerScore?
79 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 Dnb National Bank ever failed?
There is no failure record for FDIC certificate #3977 in the FDIC failed bank list.
How many branches does Dnb National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clear Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| Citizens State Bank, of ArlingtonBank Arlington, SD | 82 out of 100, Strong | $153.2M | 11.7% | 0.00% | vs |
| First Independent BankBank Russell, MN | 76 out of 100, Strong | $632.3M | 9.9% | 0.14% | vs |
| Reliabank DakotaBank Estelline, SD | 71 out of 100, Strong | $788.4M | 10.5% | 0.26% | vs |
| First Bank & TrustBank Brookings, SD | 70 out of 100, Strong | $4.8B | 10.4% | 0.42% | vs |
| Co-Op Credit Union of MontevideoCredit union Montevideo, MN | 69 out of 100, Moderate | $422.8M | 15.8% | 3.18% | vs |