TellerScore

Dakota Western Bank is a state-chartered bank (fed member) headquartered in Bowman, North Dakota, in business for about 116 years. At the end of Q2 2026 it reported $416.2M in total assets and $361.6M in deposits, with 5 offices.

Based on its Q2 2026 filing, Dakota Western Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 15th. Its strongest component is earnings (100/100; 2.09%), and its lowest is funding & liquidity (65/100; 82% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.57%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.84%
Earnings100/100
Return on assets (annualized): 2.09%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 82.1% · 26.8% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
566880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202461
Q4 202472
Q1 202579
Q2 202575
Q3 202579
Q4 202578
Q1 202680
Q2 202676
Tier 1 leverage ratio
5.00%8.29%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.64%
Q3 202410.58%
Q4 202410.60%
Q1 202511.33%
Q2 202511.40%
Q3 202511.52%
Q4 202510.94%
Q1 202611.39%
Q2 202611.57%
Noncurrent loans
0.40%1.22%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.04%
Q3 20241.72%
Q4 20240.64%
Q1 20250.58%
Q2 20251.02%
Q3 20250.51%
Q4 20250.40%
Q1 20260.49%
Q2 20260.84%
Return on assets
1.21%1.65%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.33%
Q4 20241.42%
Q1 20251.90%
Q2 20251.97%
Q3 20251.93%
Q4 20251.82%
Q1 20261.96%
Q2 20262.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$416.2M11.57%0.84%2.09%82.1%
Q1 202680$412.0M11.39%0.49%1.96%77.2%
Q4 202578$420.8M10.94%0.40%1.82%73.6%
Q3 202579$396.7M11.52%0.51%1.93%78.4%
Q2 202575$391.3M11.40%1.02%1.97%72.5%
Q1 202579$387.2M11.33%0.58%1.90%70.8%
Q4 202472$400.4M10.60%0.64%1.42%67.4%
Q3 202461$397.5M10.58%1.72%1.33%71.8%
Q2 202456$392.0M10.64%2.04%1.21%74.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.57%
59th
Total risk-based capital15.28%
69th
Problem loans0.84%
32nd
Net charge-offs0.08%
22nd
Return on assets2.09%
89th
Net interest margin3.89%
48th
Efficiency ratio43.2%
93rd
Loans to deposits82.1%
45th
Uninsured deposits26.8%
39th
Loan-loss reserves1.80%
90th
Texas ratio5.4%
33rd

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Dakota Heritage BankBank Hunter, ND63 out of 100, Moderate$416.8M9.8%1.62%vs
The Bank of TiogaBank Tioga, ND63 out of 100, Moderate$412.1M9.4%1.15%vs
First State BankBank Buxton, ND75 out of 100, Strong$424.2M9.8%0.00%vs
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
TruCommunity BankBank Garrison, ND58 out of 100, Moderate$338.2M11.1%2.18%vs
Stock Growers BankBank Forman, ND86 out of 100, Very strong$332.9M11.6%0.05%vs

Deposit insurance

Is my money safe at Dakota Western Bank?

Yes. Dakota Western Bank is an FDIC-insured institution (FDIC certificate #8637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.8% of deposits ($96.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.28% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Dakota Western Bank lists 4 offices in 4 cities. Most locations:

  • Bowman, ND (1)
  • Hettinger, ND (1)
  • Regent, ND (1)
  • Scranton, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
Dakota Western Bank
Former names
The Bank of Rhame, North Dakota; The Dakota Western Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
8637
RSSD ID
827458
Primary regulator
FED
Holding company
Dakota Western Bankshares Inc
Established
January 1, 1910
Headquarters
202 S Main St, Bowman, ND 58623
Employees
36

Quick answers

Dakota Western Bank: common questions

Is Dakota Western Bank FDIC insured?

Yes. Dakota Western Bank is an FDIC-insured institution (FDIC certificate #8637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dakota Western Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Dakota Western Bank ever failed?

There is no failure record for FDIC certificate #8637 in the FDIC failed bank list.

How many branches does Dakota Western Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bowman

InstitutionScoreAssetsCapitalProblem loansCompare
Dakota Community Bank & Trust, National AssociationBank Hebron, ND76 out of 100, Strong$1.4B9.1%0.08%vs
Dakota West Credit UnionCredit union Watford City, ND61 out of 100, Moderate$326.5M14.2%3.14%vs