Dakota Western Bank
Bowman, ND · Cert 8637 · Peer group: banks under $1B in assets (n=573-620) · Dakota Western Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$416.2MAssets
$302.2MLoans
$361.6MDeposits
$41.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets (rank 33 of 620).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 506 of 573).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 120 of 620
Net Interest Margin
3.77%
Rank 231 of 620
Efficiency Ratio
43.19%
Rank 33 of 620
Equity / Assets
9.95%
Rank 363 of 620
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 95% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.60% | 1.00% | 1.45% | Beats 81% | 120 / 620 | |
| Return on Equity | 16.53% | 5.30% | 9.30% | 13.29% | Beats 88% | 77 / 620 | |
| Net Interest Margin | 3.77% | 3.02% | 3.53% | 4.04% | Beats 63% | 231 / 620 | |
| Efficiency Ratio | 43.19% | 58.35% | 68.08% | 79.37% | Beats 95% | 33 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.09% | 0.47% | 1.27% | Beats 36% | 370 / 573 | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 12% | 506 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 14.03% | 11.27% | 13.87% | 18.78% | Beats 52% | 300 / 620 | |
| Total Risk-Based Capital Ratio | 15.28% | 11.69% | 14.57% | 19.67% | Beats 55% | 277 / 620 | |
| Equity / Assets | 9.95% | 9.03% | 10.60% | 13.73% | Beats 41% | 363 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 83.57% | 65.08% | 79.69% | 92.47% | 56th pctl | 260 / 585 | |
| Loans / Assets | 72.61% | 51.85% | 67.17% | 77.86% | 61st pctl | 240 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |