Side-by-side · Q2 2026 data
Dakota Community Bank & Trust, National Association vs Railway Credit Union
Bank
Dakota Community Bank & Trust, National Association
Hebron, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Dakota Community Bank & Trust, National Association | Railway Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 41 | 71 (stronger) |
| Loan quality | 97 (stronger) | 83 |
| Earnings | 93 (stronger) | 55 |
| Funding & liquidity | 73 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 80th | 63rd |
| Total assets | $1.4B | $211.6M |
| Deposits / shares | $1.2B | $184.4M |
| Capital ratio | 9.07% | 12.12% (stronger) |
| Problem loans | 0.08% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.83% (stronger) | 0.89% |
| Loans ÷ deposits | 67.0% (stronger) | 83.8% |
| Uninsured deposits | 32.9% | 6.3% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Dakota Community Bank & Trust, National Association has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Dakota Community Bank & Trust, National Association leads on 5 and Railway Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.