Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #15728 · Hebron, North Dakota · Est. 1940
Dakota Community Bank & Trust, National Association - FDIC Bank Health Profile
A community-scale look at Dakota Community Bank & Trust, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- A
- Health grade · Excellent
- 1.69%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
Dakota Community Bank & Trust, National Association earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.47% Tier 1, profitable at 1.69% ROA, efficient (55% cost ratio).
- #794
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 13.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Dakota Community Bank & Trust, National Association's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Dakota Community Bank & Trust, National Association's composite health score
Tier 1 Capital Ratio (13.47%) 35/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (54.61%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$762M
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dakota Community Bank & Trust, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dakota Community Bank & Trust, National Association's score of 92/100 falls in the highlighted band.
Dakota Community Bank & Trust, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Dakota Community Bank & Trust, National Association's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.47%
Texas Ratio
0.56%
Equity Capital
$110M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
23.09%
Efficiency Ratio
54.61%
What the numbers say about Dakota Community Bank & Trust, National Association
Dakota Community Bank & Trust, National Association is an FDIC-insured institution (Certificate #15728) headquartered in Hebron, North Dakota, established in 1940. It holds $1.4B in total assets - 794th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $762M in net loans. Looking at capital strength, Tier 1 stands at 13.47%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.56%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within North Dakota, Dakota Community Bank & Trust, National Association ranks 11th of 61 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$63M
Interest Income
$9M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dakota Community Bank & Trust, National Association reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dakota Community Bank & Trust, National Association (FDIC Cert #15728) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is Dakota Community Bank & Trust, National Association's health grade?▼
Dakota Community Bank & Trust, National Association receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Dakota Community Bank & Trust, National Association?▼
Dakota Community Bank & Trust, National Association holds $1.4B in total assets and $1.3B in deposits, ranking 794th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hebron, North Dakota.
Is my money safe at Dakota Community Bank & Trust, National Association?▼
Yes, deposits at Dakota Community Bank & Trust, National Association (Certificate #15728) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Dakota Community Bank & Trust, National Association's Tier 1 Capital Ratio?▼
Dakota Community Bank & Trust, National Association has a Tier 1 Capital Ratio of 13.47%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Dakota Community Bank & Trust, National Association?▼
Dakota Community Bank & Trust, National Association has a Texas Ratio of 0.56%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Dakota Community Bank & Trust, National Association?▼
Dakota Community Bank & Trust, National Association has an Efficiency Ratio of 54.61%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Dakota Community Bank & Trust, National Association's profile as a depositor or analyst.
- Dakota Community Bank & Trust, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Dakota Community Bank & Trust, National Association against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.