Bank Comparison
Dakota Western Bank vs First State Bank of the Southeast, Inc
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Dakota Western Bank | First State Bank of the Southeast, Inc |
|---|---|---|
| CET1 Ratio | 14.67% | 10.67% |
| Tier 1 Capital Ratio | 14.67% | 10.67% |
| Total Capital Ratio | 15.93% | 11.92% |
| Tier 1 Leverage Ratio | 11.39% | 8.57% |
| Equity / Assets | 9.70% | 7.26% |
Profitability
| Metric | Dakota Western Bank | First State Bank of the Southeast, Inc |
|---|---|---|
| Return on Assets (ROA) | 1.99% | 0.05% |
| Return on Equity (ROE) | 20.44% | 0.71% |
| Net Interest Margin (NIM) | 3.81% | 3.65% |
| Yield on Earning Assets | 5.57% | 5.67% |
| Cost of Funds | 1.92% | 2.14% |
Asset quality
| Metric | Dakota Western Bank | First State Bank of the Southeast, Inc |
|---|---|---|
| Texas Ratio | 5.10% | 6.31% |
| Non-Performing Loan Ratio | 0.78% | 0.61% |
| Non-Performing Asset Ratio | 0.53% | 0.53% |
| Net Charge-Off Ratio | 0.59% | -0.17% |
| ACL / Loans | 1.76% | 1.33% |
Balance sheet
| Metric | Dakota Western Bank | First State Bank of the Southeast, Inc |
|---|---|---|
| Total Assets | $412,006K | $412,302K |
| Total Deposits | $356,877K | $272,908K |
| Total Loans | $280,470K | $356,602K |
| Total Equity | $39,950K | $29,928K |
| Net Income (quarter) | $2,037K | $54 |
Liquidity & funding
| Metric | Dakota Western Bank | First State Bank of the Southeast, Inc |
|---|---|---|
| Loan-to-Deposit Ratio | 78.59% | 130.67% |
| Core Deposit Ratio | 83.90% | 90.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dakota Western Bank | First State Bank of the Southeast, Inc |
|---|---|---|
| Headquarters City | BOWMAN | MIDDLESBORO |
| Headquarters State | ND | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 8 |
| Employees (FTE) | 34 | 72 |
| Established | Jan. 1, 1910, midnight | Jan. 4, 1904, 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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