DNB National Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 23.0 and a capital leverage ratio of 8.9.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.7). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (7.1) profitability.
Asset Mix:
Securities (65%), comm loans (7%), cash (5%), home mtgs (4%), consumer loans (1%), home eq lns (1%), comm re (1%), other (16%)
States with Branches:
SD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
DCNB Holding Company
Investment Rating
--
Address
305 Fourth Street, West
Clear Lake, SD 57226
Clear Lake, SD 57226
Phone Number
(605) 874-2191
Year Founded
1926
FDIC Number
Website
Largest Affiliates
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