Dakota Western Bank
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Data as of · sourced from FFIEC call reports. How we update
Dakota Western Bank is an FDIC-insured commercial bank headquartered in Bowman, ND, established in 1910 (FDIC certificate 8637), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $416.2M, up 6.4% from Q2 2025, the 24th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 14.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8637
- Headquarters
- Bowman, ND
- Established
- 1910
- Total assets, Q2 2026
- $416.2M
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 14.03%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091305280
- Latest call report
- Q2 2026, FFIEC 051 · Dakota Western Bank call report
- Holding company
- DAKOTA WESTERN BANKSHARES, INC.
- Asset rank in state
- 24th of 60 in North Dakota
Dakota Western Bank is one of the more profitable banks of its size. It reported $416 million in assets at June 30, 2026, up 6.4% from a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 16% from a year earlier, to $2.3 million. Over the same year, loans grew 18.1% and deposits grew 4.5%.
As of June 30, 2026, Dakota Western Bank reported a CET1 capital ratio of 14.03%, a return on assets of 2.25%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 5.44%. The figures come from its call report filed with the FFIEC.
Dakota Western Bank ranks as the 24th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $416.2M, loans rose 7.7% and deposits rose 1.3%. Agricultural production loans made up 43.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 25.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in ND; its Bowman office books 68% of its branch deposits. Judged on its Q2 2026 call report, Dakota Western Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 S Main St, Bowman, ND 58623
- County
- Bowman
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- The Dakota Western Bank (1976-2014)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $361.6M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $117K
- Average total assets
- $411.1M
- Average total loans
- $290.9M
- Average interest-bearing deposits
- $277.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8637
- Fed RSSD
- 827458
- Website
- www.dwb.bank →
- Parent Holding Company
- DAKOTA WESTERN BANKSHARES, INC. (RSSD 1124798)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Dakota Western Bank's total assets ranged from $376.8M (Q1 2024) to $420.8M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$416.2M total assets against $391.3M; $374.8M total liabilities against $355.0M.
$296.7M net loans and leases against $251.1M; $361.6M total deposits against $346.2M.
$93.2M securities against $102.7M; $10.3M cash and balances due against $22.6M.
$5.8M total interest income against $5.3M; $1.9M total interest expense against $1.9M.
$4.0M net interest income against $3.5M.
$209K total noninterest income against $183K; $1.8M total noninterest expense against $1.6M.
$100K provision for credit losses against $0.
$2.3M net income against $2.0M.
2.25% return on assets against 2.05%; 3.96% net interest margin against 3.62%.
14.03% CET1 capital ratio against 14.75%; 11.57% tier 1 leverage ratio against 11.40%.
Inside the full Dakota Western Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDakota Western Bank rankings
Its closest position to the top of a national ranking is 278 of 3,611, for ROA; its furthest is 1,110 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.49% (Q4 2025) to 2.25% (Q2 2026) and its net interest margin ran from 3.11% (Q3 2024) to 3.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.03% | 2.25% | 0.84% | 5.44% | 3.96% |
| Q1 2026 | 15.22% | 1.99% | 0.49% | 3.09% | 3.81% |
| Q4 2025 | 14.91% | 1.49% | 0.40% | 2.46% | 3.64% |
| Q3 2025 | 14.31% | 1.88% | 0.51% | 3.22% | 3.71% |
| Q2 2025 | 14.75% | 2.05% | 1.02% | 6.39% | 3.62% |
| Q1 2025 | 15.05% | 1.94% | 0.58% | 3.68% | 3.55% |
| Q4 2024 | 14.86% | 1.70% | 0.64% | 4.28% | 3.42% |
| Q3 2024 | 13.90% | 1.57% | 1.72% | 11.53% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dakota Western Bank (main office) | Bowman , ND | 58623 | $247.1M |
| West River State Bank Branch | Hettinger , ND | 58639 | $68.6M |
| Scranton Branch | Scranton , ND | 58653 | $35.2M |
| Regent Branch | Regent , ND | 58650 | $10.8M |
| Paying and Receiving Branch | Rhame , ND | 58651 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 10, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 2001 | Structure Change | Acquired West River State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in ND, rank 26 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $280K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dakota Western Bank
What are Dakota Western Bank's total assets?
As of the Q2 2026 filing, Dakota Western Bank reported total assets of $416.2 million in its FFIEC call report.
Where is Dakota Western Bank headquartered?
It is headquartered in Bowman, ND, United States.
When was Dakota Western Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Dakota Western Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dakota Western Bank?
Dakota Western Bank's primary federal regulator is the Federal Reserve.
What is Dakota Western Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dakota Western Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dakota Western Bank's Texas Ratio?
Its Texas Ratio is 5.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Dakota Western Bank previously called?
The charter now named Dakota Western Bank has also operated as The Dakota Western Bank (1976-2014), per FDIC structure-change records.
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