| Metric | Dakota Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 1.96% | 1.24% | +0.7 pts |
| ROE | 22.2% | 11.9% | +10.3 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $416.8M | $366.8M | $342.5M | $38.4M | $4.1M | 1.96% | 4.05% | 1.35% |
| Q1 2026 | $418.3M | $378.5M | $334.6M | $36.9M | $2.1M | 2.02% | 4.08% | 1.36% |
| Q4 2025 | $424.5M | $357.7M | $345.9M | $36.0M | $6.8M | 1.68% | 3.97% | 0.94% |
| Q3 2025 | $417.1M | $356.7M | $339.1M | $35.0M | $5.0M | 1.66% | 3.96% | 0.57% |
| Q2 2025 | $407.2M | $351.3M | $331.2M | $33.2M | $3.2M | 1.61% | 3.92% | 0.49% |
| Q1 2025 | $402.0M | $366.9M | $308.7M | $31.9M | $1.4M | 1.39% | 3.86% | 0.42% |
| Q4 2024 | $383.3M | $336.9M | $303.6M | $31.1M | $5.4M | 1.45% | 3.83% | 0.37% |
| Q3 2024 | $385.0M | $321.5M | $302.0M | $32.0M | $4.1M | 1.51% | 3.85% | 0.32% |
Loan mix (Q2 2026): real estate $159.9M · commercial $21.2M · consumer $17.7M · securities $47.1M
| Ratio | Dakota Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 62.9% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Dakota Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Dakota Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Dakota Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Dakota Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.