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 | |