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Dakota Western Bank
Bowman, ND · FDIC Certificate #8637 · Chartered 01/0
Total assets
$416.15M
Total deposits
$361.57M
Total equity
$41.40M
Net loans
$296.72M
Branches (offices)
5
Net income (YTD)
$4.35M
Rank: #2,015 of 4,213 U.S. banks by assets · #24 of 60 in North Dakota. Assets changed 6.4% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.09% |
| Return on equity | 21.54% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 11.57% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 82.1% |
| Real estate loans (share of loans) | 30.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $89.98M | 30.3% | |
| Commercial & industrial | $69.18M | 23.3% | |
| Consumer / individual | $11.31M | 3.8% | |
| Construction & development | $768.00K | 0.3% | |
| Agricultural | $130.08M | 43.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $326.30M | $290.11M | $2.55M | $26.17M |
| Jun 2023 | $356.83M | $302.25M | $2.53M | $26.50M |
| Jun 2024 | $391.95M | $342.71M | $2.36M | $29.58M |
| Jun 2025 | $391.27M | $346.15M | $3.87M | $36.26M |
| Jun 2026 | $416.15M | $361.57M | $4.35M | $41.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $361.57M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $361.57M.
Similar-sized banks
Farmers State Bank Of Calhan ($416.38M) · Bank Of Zachary ($415.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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