Side-by-side · Q2 2026 data
Western State Bank vs Dakota Community Bank & Trust, National Association
Bank
Dakota Community Bank & Trust, National Association
Hebron, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Western State Bank | Dakota Community Bank & Trust, National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 82 (stronger) | 41 |
| Loan quality | 70 | 97 (stronger) |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 47 | 73 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 86th | 80th |
| Total assets | $2.5B | $1.4B |
| Deposits / shares | $2.1B | $1.2B |
| Capital ratio | 13.19% (stronger) | 9.07% |
| Problem loans | 0.90% | 0.08% (stronger) |
| Net charge-offs | 0.28% | 0.00% (stronger) |
| Return on assets | 2.01% (stronger) | 1.83% |
| Loans ÷ deposits | 104.8% | 67.0% (stronger) |
| Uninsured deposits | 22.1% (stronger) | 32.9% |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 5.1% |
Western State Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 4 and Dakota Community Bank & Trust, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.