DAKOTA WESTERN BANK

BOWMAN, ND | Small | Est. Jan. 1, 1910, midnight | FDIC #8637 | RSSD #827458 | FED
Latest Report: 2025-12-31

DAKOTA WESTERN BANK is asn small FDIC-insured commercial bank headquartered in BOWMAN, ND, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $421M and total deposits of $369M. Profitability stands at 1.52% ROA and 15.88% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 14.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 2.46%. FDIC Certificate #8637.

Assets

$421M

Deposits

$369M

Loans

$277M

Equity

$40M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 15.88%
Net Interest Margin (NIM) 3.91%
Yield on Assets 6.13%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio -0.02%
Texas Ratio 2.46%
NPA Ratio 0.26%
ACL / Loans 1.86%

Capital & Liquidity

CET1 Ratio 14.91%
Tier 1 Capital 14.91%
Total Capital Ratio 16.17%
Leverage Ratio 10.94%
Loan-to-Deposit 75.02%

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