Dakota Western Bank
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
$416.2MAssets
$302.2MLoans
$361.6MDeposits
$41.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets (rank 38 of 629).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 513 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 94% 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% | 1.01% | 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 |