Total Assets
$421M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Dakota Western Bank — FDIC Bank Health Profile
Bowman, North Dakota · Est. 1910. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #8637 Kansas City Region
B
Health grade
Good
Score: 75/100
Basel III capital ratios — Dakota Western Bank
Total Deposits
$369M
Customer-funded liabilities
Net Loans
$272M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
14.91% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
14.91%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$40M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.82%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
20.05%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
46.43%
Income & Expense Breakdown
$22M
Interest Income
$738K
Non-Interest Income
$7M
Non-Interest Expense
FDIC Deposit Insurance
Dakota Western Bank is FDIC-insured (Certificate #8637). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Dakota Western Bank
Dakota Western Bank is an FDIC-insured institution (Certificate #8637) headquartered in Bowman, North Dakota, established in 1910. The bank currently holds $421M in total assets and $369M in customer deposits, with $272M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Dakota Western Bank reports a Tier 1 Capital Ratio of 14.91% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $40M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.82% and a Return on Equity of 20.05%, with an Efficiency Ratio of 46.43% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (75/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Dakota Western Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in North Dakota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Dakota Western Bank (FDIC Cert #8637) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell Bank Fargo | $14.4B | D | 0.59% |
| First International Bank & Trust Watford City | $6.2B | C | 1.69% |
| Choice Financial Group Fargo | $6.0B | F | 1.22% |
| Alerus Financial, National Association Grand Forks | $5.2B | D | 0.42% |
| Gate City Bank Fargo | $4.0B | F | 0.60% |
| Bravera Bank Dickinson | $3.8B | C | 1.12% |
| Western State Bank Devils Lake | $2.6B | B | 1.79% |
| First Western Bank & Trust Minot | $2.3B | F | 0.84% |
Frequently Asked Questions
What is Dakota Western Bank's health grade? ▼
Dakota Western Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Dakota Western Bank? ▼
Dakota Western Bank holds $421M in total assets and $369M in deposits. It is headquartered in Bowman, North Dakota.
Is my money safe at Dakota Western Bank? ▼
Yes. Dakota Western Bank is FDIC-insured (Certificate #8637). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Dakota Western Bank's Tier 1 Capital Ratio? ▼
Dakota Western Bank has a Tier 1 Capital Ratio of 14.91%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Dakota Western Bank? ▼
Dakota Western Bank has an Efficiency Ratio of 46.43%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.