Total Assets
$117M
Total balance-sheet footings
FDIC Cert #3977 · Clear Lake, South Dakota · Est. 1926
DNB NATIONAL BANK - FDIC Bank Health Profile
A community-scale look at DNB NATIONAL BANK's own numbers, pulled straight from its quarterly FDIC Call Report.
- $117M
- Total assets
- A
- Health grade · Excellent
- 1.39%
- Return on assets
- 22.3%
- Tier 1 capital
Data updated July 2026
The verdict
DNB NATIONAL BANK earns a PlainBankData health grade of A (88/100), with well-capitalized at 22.33% Tier 1, profitable at 1.39% ROA, 65% efficiency ratio.
- #3,607
- largest of 4,313 FDIC banks by assets
- 16th
- percentile by asset size, nationally
- 22.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 69th
- 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 DNB NATIONAL BANK's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
DNB NATIONAL BANK's composite health score
Tier 1 Capital Ratio (22.33%) 40/40
Return on Assets (ROA) (1.39%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (65.39%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$106M
Customer-funded liabilities
Net Loans
$32M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where DNB NATIONAL BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. DNB NATIONAL BANK's score of 88/100 falls in the highlighted band.
DNB NATIONAL 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). DNB NATIONAL BANK's $117M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.33%
Texas Ratio
0.00%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
69th percentile nationally
1.39%
Return on Equity (ROE)
22.48%
Efficiency Ratio
65.39%
What the numbers say about DNB NATIONAL BANK
DNB NATIONAL BANK is an FDIC-insured institution (Certificate #3977) headquartered in Clear Lake, South Dakota, established in 1926. It holds $117M in total assets - 3,607th of 4,313 FDIC-insured banks, $106M in customer deposits, and $32M in net loans. Capital-wise, the Tier 1 ratio sits at 22.33%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
DNB NATIONAL BANK is a community-scale institution -- 41st of 56 FDIC-insured banks headquartered in South Dakota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$2M
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. DNB NATIONAL BANK reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) DNB NATIONAL BANK (FDIC Cert #3977) - 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 South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is DNB NATIONAL BANK's health grade?▼
DNB NATIONAL BANK receives a health grade of A (88/100) 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 DNB NATIONAL BANK?▼
DNB NATIONAL BANK holds $117M in total assets and $106M in deposits, ranking 3,607th of 4,313 FDIC-insured banks by asset size. It is headquartered in Clear Lake, South Dakota.
Is my money safe at DNB NATIONAL BANK?▼
Yes, deposits at DNB NATIONAL BANK (Certificate #3977) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is DNB NATIONAL BANK's Tier 1 Capital Ratio?▼
DNB NATIONAL BANK has a Tier 1 Capital Ratio of 22.33%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for DNB NATIONAL BANK?▼
DNB NATIONAL BANK has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is DNB NATIONAL BANK?▼
DNB NATIONAL BANK has an Efficiency Ratio of 65.39%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read DNB NATIONAL BANK's profile as a depositor or analyst.
- DNB NATIONAL BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare DNB NATIONAL BANK against other South Dakota banks before moving funds. South 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.