# DAKOTA HERITAGE BANK
HUNTER, ND · FDIC certificate 16231 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $416.8M | |
| Deposits | $366.8M | |
| Loans and leases | $346.9M | |
| Total equity | $38.4M | |
| Loans / deposits | 93.35% (p78 of band) | 82.04% |
| Liquid assets / assets | 13.48% (p13 of band) | |
| Uninsured deposits / deposits | 15.57% (p14 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.02% (p41 of band) | |
| FHLB advances / assets | 2.02% | |
| Tier 1 leverage | 9.83% (p30 of band) | 10.81% |
| Unrealized securities loss / equity | -9.83% (p44 of band) | -8.10% |
| AOCI / equity | -0.16% (p62 of band) | |
| ROA (annualized) | 1.96% (p86 of band) | 1.28% |
| Net interest margin | 4.05% (p58 of band) | 3.91% |
| Efficiency ratio | 47.81% (p14 of band) | |
| Noncurrent loans | 1.62% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 78.27% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 7.83% (p12 of band) | |
| Auto loans | $7.2M (2.08% of loans; DQ 1.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, deposits shrinking |  |
| 2015-03 | 1 |  | deposits shrinking |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-22 [Medina Ambulance receives $20,000 donation for new ambulance - Jamestown Sun](https://news.google.com/rss/articles/CBMioAFBVV95cUxNeTRXQXBGRVhTTTU3U0hBQ2gyV2dmRko1NlFDZW9mM05lZnE0R3g0SktEOXNYZnlXQS1fckNrV3BTTkJWS2xleTMxWkI1Zkl1eXFtWDB2ckFsaTV4ZGFIZzdJZXQybTVEdzZZSXc1YjN3NUFFUkRzQmVGUEdIZGpSNVBMYkZGVk1yT2lCUmg1S3JFQ0dZR1pyZS1tdjRyQkFU?oc=5) · Jamestown Sun
- 2023-04-04 [88-year-old Gackle bank teller has served customers for 70 years - InForum](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZFo5Q2JGRlI0MmNCUUkwOEtMU1F3UVQ1eGlVTGdfeGd1dkp0V0V3bHRfU1UydmxxWXpWTml4UXNGRVhBUTBVcGI3LUtaY1N4OWFCX2tOY1o1VExTU19LdUwxdFZ1dGhELVhPX1dBS0V6NUs0bHJyS2M3TzJMcDdycHNMYmx1TWl1ZW9MTURHeWhDaWYxemdjVXhGUjZHaDFHanV0d1R2TEoyUQ?oc=5) · InForum
- 2024-10-09 [Medina building new activity center - Jamestown Sun](https://news.google.com/rss/articles/CBMigAFBVV95cUxQQXVSbGJTWlJuUXEwUkZiXzkxZXVBX3JHdlg4ZFdKYUNzVjR4TUx3N0FBMVF5V0dJUzR3Nm5VSzJqTWtVeTFFSzZxX0owcW1CN3oySXlxT0VpV1J2NjVHLXRvSGU2QThCbkZ1NW1CQ2tJQkZabkxaaVBiUVVoWE53Vg?oc=5) · Jamestown Sun
- 2024-04-23 [Loan increases retail, processing opportunities for Medina butcher shop - The Mighty 790 KFGO](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVGplRVE2MDJiRUFUcVpzeW9hbThYTU9mZENqYjZRdHlTdERUQl9fcnRfaU1EanBtTXoyQ0RUMmplbVM4N3UzNmRKdk9WM2hndWY5VVZINVpDMnViUzEyUzBRM2RfeWJKQmxDRlJqbHVyT2o0MklCOW9aUGotTkxTeWE0UmR4MVBlYnQwc0lPdXhYbC1Gb0tMNU0tVkpoNkZB?oc=5) · The Mighty 790 KFGO
- 2024-12-18 ['I never left': 90-year-old retiring after 71 years at small-town North Dakota bank - InForum](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZW1BZF9wYWhpanBEd2ZxVFdxbi1yTkcxYlNEZFhzSllFYUNuNHZqb0YtTmtET0hGWENocHZpb2ViRm9jZU5BRUM1Z1BIVXNnMDUzSDVCbWlHTGtUV0tOZEpEU1NiMkM3aHlBbm5wcGJQcEZJRXhGQWNKd3ZqbmxNaVk5MGd0N3E5TUczSFA2QVF3cGUtSEQ3b1FHamxSaGxGcklGWGlWREtkNFFXcUx6bWlQR0JvS21FaGN6Z0tmOA?oc=5) · InForum
- 2020-04-08 [Gardner family faces challenges after home burns down - Valley News Live](https://news.google.com/rss/articles/CBMisgFBVV95cUxQWlhUdlB3SWNrWW9pR3dhWDF6RUJxV1ZSV1ZqdjdCUkhYc2xwbEdBRG9XT2ExdlVzU1lMQ0h1aVZXZ2JQSzVDNzRfSEI5WHFLcW5uVlpyNkY0U3ZLOXRQcm9tWFhnVUlabXlJdS05NnJDQnIyWHN4ak90TkpXSERzOU0xZ3J6MWxqa1EyNkRXb3FoeWdCTV9GMG16TGE4SXJMZzVoSTU2ajc1cU81U05tT2dR?oc=5) · Valley News Live
- 2024-01-29 [LaVonne "Bonnie" Mavis Fandrich - legacy.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNUUJMb1I2UC1DS25BU0xKNVBxbDhMeWMyOS1ubDZRN0VveWxVVVRlMEJ0cnhrcmk1bzc5alRlNXB3YlpMa3YtSm9KXzFlYTctMHRKdjZPZWRZWmpaZUxGaTY4TVpfWE80YkJ5bEFMd3AybXBsSDRhVjBIUnNHN09wNGhjOTBicldDdmhaVHJlZEI1M0dBM1hGc0RYelJ4eHlnQk5JeUxSVHNqbWozVlRTU3NR?oc=5) · legacy.com
- 2025-09-17 [Medina school addition, activity center ease crowding - Jamestown Sun](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRkFONTJXdzdmYjlaLUlNY0dEcW5pS0t4Yl80YUFkT3lQc0M0Zk9SRmQzenlZWUVkcXo1c2ZKR2t3MTVzVVlzTXQ0d3JhcnlsQTBkWHdnOUxFVU9JN09BWk5yUWxGQkJ3S0JsWnM1WlBTaUZQTHd5b3JkdUcxRnNiUmo1LUJrMF8tU1N0WkRMR0ZsRFlKRFBV?oc=5) · Jamestown Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16231 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "16231", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide