Dakota Western Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 11.0% higher than in Q1 2026, at $339.3M. Dakota Western Bank ranks 11th of 25 North Dakota banks on CET1 ratio, in the upper half at 14.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Dakota Western Bank sits 1.05 points lower, at 14.03% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.03% |
| Tier 1 risk-based capital ratio | 14.03% |
| Total risk-based capital ratio | 15.28% |
| Tier 1 leverage ratio | 11.57% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $47.6M |
| Tier 1 capital | $47.6M |
| Total risk-based capital | $51.8M |
| Total equity capital | $41.4M |
| Risk-weighted assets | $339.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
| Equity capital to average assets | 10.07% |
| Internal capital growth rate | 10.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $9.7M |
| Retained earnings | $37.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.81% | 13.81% | 15.07% | 10.58% | $279.8M |
| Q4 2023 | 13.76% | 13.76% | 15.01% | 10.11% | $285.4M |
| Q1 2024 | 13.86% | 13.86% | 15.11% | 10.55% | $289.2M |
| Q2 2024 | 13.43% | 13.43% | 14.68% | 10.64% | $300.3M |
| Q3 2024 | 13.90% | 13.90% | 15.16% | 10.58% | $297.5M |
| Q4 2024 | 14.86% | 14.86% | 16.11% | 10.60% | $284.8M |
| Q1 2025 | 15.05% | 15.05% | 16.31% | 11.33% | $290.0M |
| Q2 2025 | 14.75% | 14.75% | 16.00% | 11.40% | $301.3M |
| Q3 2025 | 14.31% | 14.31% | 15.56% | 11.52% | $315.0M |
| Q4 2025 | 14.91% | 14.91% | 16.17% | 10.94% | $305.3M |
| Q1 2026 | 15.22% | 15.22% | 16.48% | 11.39% | $305.6M |
| Q2 2026 | 14.03% | 14.03% | 15.28% | 11.57% | $339.3M |
Dakota Western Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dakota Western Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dakota Western Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8637) · FFIEC NIC profile (RSSD 827458)