Dakota Western Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dakota Western Bank of Bowman, ND against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.25% | 1.34% | +0.91% | 91st top |
| ROAE | 22.73% | 13.32% | +9.41% | 93rd top |
| Net Interest Margin | 3.96% | 3.93% | +0.03% | 51st above |
| Efficiency Ratio | 42.12% | 61.14% | -19.02% | 93rd top |
| PPNR / Avg Assets | 2.33% | 1.68% | +0.65% | 85th top |
| Yield on Earning Assets | 5.79% | 5.67% | +0.12% | 59th above |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.22% | 3.32% | -0.10% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | -0.39% | 0.16% | -0.55% | 99th top |
| ACL / Total Loans | 1.80% | 1.28% | +0.52% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 544.40% | 1546.56% | -1002.16% | 73rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.50% | 7.34% | -1.84% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 356.41% | 1395.50% | -1039.09% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.03% | 19.49% | -5.46% | 39th below |
| Tier 1 Ratio | 14.03% | 19.52% | -5.49% | 39th below |
| Total Capital Ratio | 15.28% | 20.61% | -5.33% | 40th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.57% | 12.14% | -0.57% | 59th above |
| Equity / Assets | 9.95% | 11.37% | -1.42% | 44th below |
| TCE / Tangible Assets | 9.95% | 11.08% | -1.13% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.57% | 80.66% | +2.91% | 44th below |
| Core Deposit Ratio | 76.83% | 86.85% | -10.02% | 11th bottom |
| Wholesale Funding Ratio | 1.92% | 5.04% | -3.12% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.36% | 6.84% | -0.48% | 65th above |
| Loan Growth (Y/Y) | 18.10% | 7.91% | +10.19% | 91st top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.45% | 6.29% | -1.84% | 53rd above |
See Dakota Western Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dakota Western Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Dakota Western Bank profile, how to read a UBPR, or how this data updates.