Dakota Heritage Bank (FDIC #16231): Bank Stress & Real-Estate Credit Exposure
Dakota Heritage Bank (FDIC Cert #16231): bank stress 54/100, moderate, STABLE over 7 days; parent HUNTER HOLDING CO.
Dakota Heritage Bank (#16231) lends in 8 counties across 2 states; Dakota Heritage Bank (#16231) reaches 100 ZIP codes: North Dakota 7 counties, 91 ZIPs; Minnesota 1 county, 9 ZIPs.
Dakota Heritage Bank (#16231) largest markets: Cass County, ND (60 branches, 30 ZIPs) (#16231), Stutsman County, ND (42 branches, 21 ZIPs) (#16231), Traill County, ND (26 branches, 13 ZIPs) (#16231), Wells County, ND (12 branches, 12 ZIPs) (#16231), Lamoure County, ND (12 branches, 12 ZIPs) (#16231), Steele County, ND (12 branches, 12 ZIPs) (#16231).
Dakota Heritage Bank (#16231) reports $416.8 million in total assets; Dakota Heritage Bank (#16231) equity $38.4 million (9.2% of Dakota Heritage Bank (#16231) assets); Dakota Heritage Bank (#16231) domestic deposits $366.8 million; Dakota Heritage Bank (#16231) net income $4.1 million; Dakota Heritage Bank (#16231) return on assets 1.96%; Dakota Heritage Bank (#16231) return on equity 22.19%; Dakota Heritage Bank (#16231) net interest income $7.9 million; Dakota Heritage Bank (#16231) call report June 30, 2026.
Dakota Heritage Bank (#16231) noncurrent real-estate loans: none reported; Dakota Heritage Bank (#16231) net charge-offs on real estate 1.49%.
Dakota Heritage Bank (#16231) net interest margin 4.05% against an eight-quarter Dakota Heritage Bank (#16231) average of 3.94% (Dakota Heritage Bank (#16231) compression -0.11 points); Dakota Heritage Bank (#16231) rate-exposure score 40/100, Dakota Heritage Bank (#16231) fixed-rate trap 40/100; Dakota Heritage Bank (#16231) risk type credit driven; Dakota Heritage Bank (#16231) rate regime rates elevated, Dakota Heritage Bank (#16231) snapshot October 19, 2026.
Dakota Heritage Bank (#16231) stress score moved from 53.2 on June 22, 2026 to 54.1 on October 20, 2026; Dakota Heritage Bank (#16231) ranged 53.2 to 54.1 over 117 snapshots.
Dakota Heritage Bank (#16231) alerts: 8 counties; top Dakota Heritage Bank (#16231) alert scores: Gackle County, ND 21 (low); Harvey County, ND 21 (low); Hillsboro County, ND 21 (low); Hope County, ND 21 (low); Hunter County, ND 21 (low).