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Dakota Heritage Bank
Hunter, ND · FDIC Certificate #16231 · Chartered 02/0
Total assets
$416.75M
Total deposits
$366.85M
Total equity
$38.39M
Net loans
$342.46M
Branches (offices)
11
Net income (YTD)
$4.12M
Rank: #2,012 of 4,213 U.S. banks by assets · #23 of 60 in North Dakota. Assets changed 2.4% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.96% |
| Return on equity | 22.19% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 9.21% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 1.62% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 93.4% |
| Real estate loans (share of loans) | 46.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $159.90M | 46.7% | |
| Commercial & industrial | $21.18M | 6.2% | |
| Consumer / individual | $17.72M | 5.2% | |
| Construction & development | $3.01M | 0.9% | |
| Agricultural | $145.88M | 42.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $322.92M | $292.85M | $1.48M | $25.73M |
| Jun 2023 | $325.23M | $284.76M | $2.76M | $28.15M |
| Jun 2024 | $359.69M | $315.11M | $2.75M | $30.36M |
| Jun 2025 | $407.17M | $351.26M | $3.21M | $33.15M |
| Jun 2026 | $416.75M | $366.85M | $4.12M | $38.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $287.89M | 10 |
| Minnesota | $78.96M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $366.85M.
Similar-sized banks
Touchmark National Bank ($416.90M) · Chelsea State Bank ($416.53M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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