DNB NATIONAL BANK
Clear Lake, SD
IDRSSD: 401559
Total Assets
$115.14M
Latest filing
Total Deposits
$105.68M
Latest filing
Net Interest Margin
2.84%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
DNB NATIONAL BANK
305 4th St W
Clear Lake, SD 57226
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1926FDIC Certificate 2586
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| DNB NATIONAL BANK (Main) | 305 4th St W | Clear Lake, SD |
| GARY BRANCH | 226 First Avenue | Gary, SD |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57226 |
| State and County Number | 46039 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.dnbanks.com |
| Data Updated | 11/14/2025 |
| CERT | 3977 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $115.14M |
| Total Deposits | $105.68M |
| Total Liabilities | $107.62M |
| Total Equity Capital | $7.52M |
| Net Income | $394.00k |
| Net Loans and Leases | $30.90M |
| Assets Per Employee ($Millions) | $7.68M |
| Bank Premises and Fixed Assets | $819.00k |
| Cash and Balances due from Depository Institutions | $3.54M |
| Deposits Held in Domestic Offices | $105.68M |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 21.86% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 65.12% |
| Tier 1 Risk-Based Capital Ratio | 22.031% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.531% |
| Earning Assets to total Assets | 93.31% |
Income and Expense
| Total Interest Income | $1.11M |
| Total Noninterest Income | $419.00k |
| Total Interest Expense | $338.00k |
| Total Noninterest Expense | $773.00k |
| Net Interest Income | $768.00k |
| Pre-tax Net Operating Income | $414.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $87.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.94M |
| Total Liabilities and Capital | $115.14M |
Securities
| Securities | $75.39M |
| Available-for-sale debt securities | $19.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $55.63M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of DNB NATIONAL BANK?
$115.14M as of the latest filing.
How much are DNB NATIONAL BANK's total deposits?
$105.68M in total deposits.
Where is DNB NATIONAL BANK located?
Clear Lake, SD.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1926.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$30.90M (latest filing).
What is the total interest income (latest filing)?
$1.11M.