Dakota Community B&T NA (FDIC #15728): Bank Stress & Real-Estate Credit Exposure
Dakota Community B&T NA (FDIC Cert #15728): bank stress 59/100, moderate, STABLE over 7 days; parent DAKOTA COMMUNITY BANSHARES INC.
Dakota Community B&T NA (#15728) lends in 6 counties across 2 states; Dakota Community B&T NA (#15728) reaches 50 ZIP codes: North Dakota 5 counties, 43 ZIPs; South Dakota 1 county, 7 ZIPs.
Dakota Community B&T NA (#15728) largest markets: Burleigh County, ND (39 branches, 13 ZIPs) (#15728), Grant County, ND (13 branches, 13 ZIPs) (#15728), Stark County, ND (40 branches, 10 ZIPs) (#15728), Morton County, ND (24 branches, 8 ZIPs) (#15728), Walworth County, SD (7 branches, 7 ZIPs) (#15728), Bowman County, ND (5 branches, 5 ZIPs) (#15728).
Dakota Community B&T NA (#15728) reports $1.39 billion in total assets; Dakota Community B&T NA (#15728) equity $119.1 million (8.6% of Dakota Community B&T NA (#15728) assets); Dakota Community B&T NA (#15728) domestic deposits $1.24 billion; Dakota Community B&T NA (#15728) net income $12.7 million; Dakota Community B&T NA (#15728) return on assets 1.83%; Dakota Community B&T NA (#15728) return on equity 22.47%; Dakota Community B&T NA (#15728) net interest income $23.0 million; Dakota Community B&T NA (#15728) call report June 30, 2026.
Dakota Community B&T NA (#15728) noncurrent real-estate loans: none reported; Dakota Community B&T NA (#15728) net charge-offs on real estate 0.13%; Dakota Community B&T NA (#15728) residential charge-offs 0.20%.
Dakota Community B&T NA (#15728) net interest margin 3.44% against an eight-quarter Dakota Community B&T NA (#15728) average of 3.12% (Dakota Community B&T NA (#15728) compression -0.31 points); Dakota Community B&T NA (#15728) non-residential real estate 20.1% of equity; Dakota Community B&T NA (#15728) rate-exposure score 40/100, Dakota Community B&T NA (#15728) fixed-rate trap 40/100; Dakota Community B&T NA (#15728) risk type credit driven; Dakota Community B&T NA (#15728) rate regime rates elevated, Dakota Community B&T NA (#15728) snapshot October 19, 2026.
Dakota Community B&T NA (#15728) stress score moved from 61.2 on June 22, 2026 to 59 on October 19, 2026; Dakota Community B&T NA (#15728) ranged 59 to 61.2 over 116 snapshots.
Dakota Community B&T NA (#15728) alerts: 6 counties; top Dakota Community B&T NA (#15728) alert scores: Bowman County, ND 34 (low); Bismarck County, ND 22 (low); Mandan County, ND 22 (low); Mobridge County, ND 22 (low); New Leipzig County, ND 22 (low).