Bank Comparison
Dakota Western Bank vs First State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Dakota Western Bank | First State Bank |
|---|---|---|
| CET1 Ratio | 14.67% | — |
| Tier 1 Capital Ratio | 14.67% | — |
| Total Capital Ratio | 15.93% | — |
| Tier 1 Leverage Ratio | 11.39% | 9.90% |
| Equity / Assets | 9.70% | 9.74% |
Profitability
| Metric | Dakota Western Bank | First State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.99% | 2.15% |
| Return on Equity (ROE) | 20.44% | 21.84% |
| Net Interest Margin (NIM) | 3.81% | 3.87% |
| Yield on Earning Assets | 5.57% | 5.99% |
| Cost of Funds | 1.92% | 2.28% |
Asset quality
| Metric | Dakota Western Bank | First State Bank |
|---|---|---|
| Texas Ratio | 5.10% | 2.43% |
| Non-Performing Loan Ratio | 0.78% | 0.30% |
| Non-Performing Asset Ratio | 0.53% | 0.26% |
| Net Charge-Off Ratio | 0.59% | 0.00% |
| ACL / Loans | 1.76% | 1.22% |
Balance sheet
| Metric | Dakota Western Bank | First State Bank |
|---|---|---|
| Total Assets | $412,006K | $413,448K |
| Total Deposits | $356,877K | $368,367K |
| Total Loans | $280,470K | $360,094K |
| Total Equity | $39,950K | $40,274K |
| Net Income (quarter) | $2,037K | $2,171K |
Liquidity & funding
| Metric | Dakota Western Bank | First State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.59% | 97.75% |
| Core Deposit Ratio | 83.90% | 90.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dakota Western Bank | First State Bank |
|---|---|---|
| Headquarters City | BOWMAN | BUXTON |
| Headquarters State | ND | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 34 | 44 |
| Established | Jan. 1, 1910, midnight | Jan. 1, 1885, 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.
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