Bank Comparison
Bank of Tioga, the vs Dakota Western Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Tioga, the | Dakota Western Bank |
|---|---|---|
| CET1 Ratio | 15.64% | 14.67% |
| Tier 1 Capital Ratio | 15.64% | 14.67% |
| Total Capital Ratio | 16.15% | 15.93% |
| Tier 1 Leverage Ratio | 9.34% | 11.39% |
| Equity / Assets | 1.72% | 9.70% |
Profitability
| Metric | Bank of Tioga, the | Dakota Western Bank |
|---|---|---|
| Return on Assets (ROA) | 2.65% | 1.99% |
| Return on Equity (ROE) | 194.71% | 20.44% |
| Net Interest Margin (NIM) | 2.34% | 3.81% |
| Yield on Earning Assets | 4.55% | 5.57% |
| Cost of Funds | 2.24% | 1.92% |
Asset quality
| Metric | Bank of Tioga, the | Dakota Western Bank |
|---|---|---|
| Texas Ratio | 18.98% | 5.10% |
| Non-Performing Loan Ratio | 1.06% | 0.78% |
| Non-Performing Asset Ratio | 0.32% | 0.53% |
| Net Charge-Off Ratio | 0.20% | 0.59% |
| ACL / Loans | 0.95% | 1.76% |
Balance sheet
| Metric | Bank of Tioga, the | Dakota Western Bank |
|---|---|---|
| Total Assets | $412,987K | $412,006K |
| Total Deposits | $396,942K | $356,877K |
| Total Loans | $122,857K | $280,470K |
| Total Equity | $7,091K | $39,950K |
| Net Income (quarter) | $2,642K | $2,037K |
Liquidity & funding
| Metric | Bank of Tioga, the | Dakota Western Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 30.95% | 78.59% |
| Core Deposit Ratio | 90.22% | 83.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Tioga, the | Dakota Western Bank |
|---|---|---|
| Headquarters City | TIOGA | BOWMAN |
| Headquarters State | ND | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 31 | 34 |
| Established | July 16, 1952, midnight | Jan. 1, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Bank of Tioga, the profile | View full Dakota Western Bank profile | Browse all bank comparisons