FDIC Cert #16231 · Hunter, North Dakota · Est. 1945

Dakota Heritage Bank - FDIC Bank Health Profile

A community-scale look at Dakota Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$425M
Total assets
B
Health grade · Good
1.68%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Dakota Heritage Bank earns a PlainBankData health grade of B (71/100), with 9.26% Tier 1 capital, profitable at 1.68% ROA, efficient (52% cost ratio).

#2,010
largest of 4,313 FDIC banks by assets
53rd
percentile by asset size, nationally
9.26%
Tier 1 ratio - below 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.

FDIC Call Report plate

Cert 16231 · ND B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2925/4307
  • PHOTO-FINISH Pineland Bank · GA
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 9.9% Texas
  • ROA-STRONG 1.68% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: Pineland Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Dakota Heritage Bank

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Dakota Heritage Bank · ND · …71/100Farmers State Bank · TX · ne…71/100Pineland Bank · GA · near71/100Princeville State Bank · IL …71/100The Warrington Bank · FL · n…71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Dakota Heritage Bank · July 2026

Plate reading for Dakota Heritage Bank where failures stay rare

Dakota Heritage Bank (FDIC Cert #16231) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,925 of 4,307. Tier 1 capital prints at 9.26%, missing the 10% well-capitalized line. The Texas Ratio is 9.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.68%. Balance-sheet scale is $425M, 2,010th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Pineland Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Dakota Heritage Bank

Zero FAILURE resolutions in North Dakota since 2000

Dakota Heritage Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How Dakota Heritage Bank's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
Dakota Heritage Bank's composite health score
Tier 1 Capital Ratio (9.26%) 18/40
Return on Assets (ROA) (1.68%) 25/25
Texas Ratio (9.88%) 16/20
Efficiency Ratio (51.97%) 12/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$425M

Total balance-sheet footings

Total Deposits

$358M

Customer-funded liabilities

Net Loans

$346M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.86% 9.26% 10.66%
Basel III capital ratios - Dakota Heritage Bank

Where Dakota Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dakota Heritage Bank's score of 71/100 falls in the highlighted band.

Dakota Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Dakota Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Dakota Heritage Bank'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 Heritage Bank's $425M falls in the highlighted band.

Safety metrics: Dakota Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

9.26% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.26%
Texas Ratio
9.88%
Equity Capital
$36M

What these ratios mean →

Earnings posture at Dakota Heritage Bank

Return on Assets (ROA)
82nd percentile nationally
1.68%
Return on Equity (ROE)
20.40%
Efficiency Ratio
51.97%

What these mean →

Income & expense at Dakota Heritage Bank

$24M
Interest Income
$981K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Dakota Heritage Bank reports a Texas Ratio of 9.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Dakota Heritage Bank on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($425M here), outside North Dakota so the neighborhood is not state containment.

Exchange Bank $425M · GA Frontier Bank $425M · CO First Vision Bank of Tennessee $426M · TN First National Bank $426M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dakota Heritage Bank (FDIC Cert #16231) - 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.

Dakota Heritage Bank Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
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%