Bowman, ND · Cert 8637 · Dakota Western Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
24
Profitability
77
Liquidity
88
Efficiency
94
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bowman, ND · Cert 8637 · Dakota Western Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.13% | 1.50% | 1.55% | 1.52% | 1.44% | 1.54% | 1.64% | +9 bps | |
| Return on Equity | 13.53% | 14.45% | 17.74% | 17.79% | 16.97% | 15.86% | 16.11% | 16.95% | -85 bps | |
| Net Interest Margin | 2.95% | 3.00% | 3.49% | 3.50% | 3.53% | 3.37% | 3.71% | 3.77% | +27 bps | |
| Efficiency Ratio | 52.83% | 51.94% | 46.84% | 45.98% | 46.32% | 46.43% | 43.81% | 43.19% | -279 bps | |
| Non-Interest Burden | 1.47% | 1.48% | 1.54% | 1.51% | 1.54% | 1.47% | 1.51% | 1.51% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 0.22% | 2.78% | -0.17% | -0.22% | 5.09% | 6.40% | 6.36% | +653 bps | |
| Loan Growth (YoY) | 7.58% | 1.19% | 0.43% | -1.99% | 5.81% | 12.28% | 13.38% | 18.10% | +2,010 bps | |
| Deposit Growth (YoY) | 8.62% | 5.03% | 5.33% | 1.00% | -2.98% | 2.97% | 4.16% | 4.45% | +345 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.72% | 0.64% | 0.58% | 1.02% | 0.51% | 0.40% | 0.49% | 0.84% | -18 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.02% | -0.05% | -0.03% | -0.02% | -0.02% | 0.57% | 0.08% | +10 bps | |
| Allowance / Loans | 1.88% | 1.97% | 1.91% | 1.85% | 1.80% | 1.86% | 1.76% | 1.80% | -5 bps | |
| Allowance Coverage of NPLs | 1.1x | 3.1x | 3.3x | 1.8x | 3.5x | 4.7x | 3.6x | 2.1x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.60% | 11.33% | 11.40% | 11.52% | 10.94% | 11.39% | 11.57% | +18 bps | |
| Total Risk-Based Capital | 15.16% | 16.11% | 16.31% | 16.00% | 15.56% | 16.17% | 16.48% | 15.28% | -72 bps | |
| Equity / Assets | 8.44% | 8.01% | 8.89% | 9.27% | 9.71% | 9.45% | 9.70% | 9.95% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.18% | 68.80% | 72.20% | 73.91% | 79.81% | 75.02% | 78.59% | 83.57% | +966 bps | |
| Liquid Assets / Assets | 8.05% | 11.19% | 6.76% | 5.23% | 2.18% | 8.23% | 6.28% | 1.95% | -329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 20.81% | 21.39% | 21.41% | n/a | n/a | |
Bowman, ND · Cert 8637 · Peer group: banks under $1B in assets (n=581-629) · Dakota Western Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
1.64%
Rank 123 of 629
Net Interest Margin
3.77%
Rank 242 of 629
Efficiency Ratio
43.19%
Rank 38 of 629
Equity / Assets
9.95%
Rank 380 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.60% | 1.01% | 1.45% | Beats 80% | 123 / 629 | ||
| Return on Equity | 16.53% | 5.38% | 9.30% | 13.28% | Beats 88% | 76 / 629 | ||
| Net Interest Margin | 3.77% | 3.03% | 3.54% | 4.05% | Beats 62% | 242 / 629 | ||
| Efficiency Ratio | 43.19% | 58.35% | 67.79% | 79.08% | Beats 94% | 38 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.09% | 0.46% | 1.20% | Beats 35% | 380 / 581 | ||
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 12% | 513 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.03% | 11.24% | 13.84% | 18.77% | Beats 52% | 303 / 629 | ||
| Total Risk-Based Capital Ratio | 15.28% | 11.58% | 14.43% | 19.66% | Beats 55% | 281 / 629 | ||
| Equity / Assets | 9.95% | 9.09% | 10.65% | 13.80% | Beats 40% | 380 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.57% | 67.24% | 80.90% | 93.48% | 53rd pctl | 277 / 594 | ||
| Loans / Assets | 72.61% | 53.31% | 67.71% | 78.15% | 60th pctl | 253 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||