Dakota Western Bank: how it compares with its peers
Against 19 ND banks with half to twice its assets, Dakota Western Bank's strongest measure in Q2 2026 is efficiency ratio (43.19% vs. a 55.56% peer median). Its weakest relative measure is net interest margin (3.89% vs. 4.00%).
| Measure | Dakota Western Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.09% | 1.63% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 4.00% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.19% | 55.56% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $7.7M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.06% | 81.91% | Context |
What it means for lending operations
Its efficiency ratio of 43.19% is better than the 55.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Dakota Heritage Bank Hunter, ND · $417M
- The Bank of Tioga Tioga, ND · $412M
- First State Bank Buxton, ND · $424M
- Kirkwood Bank & Trust Co. Bismarck, ND · $351M
- TruCommunity Bank Garrison, ND · $338M
- Stock Growers Bank Forman, ND · $333M
Questions about Dakota Western Bank
How big is Dakota Western Bank?
Dakota Western Bank, established in 1910, is headquartered in Bowman, ND. It reported $416M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Dakota Western Bank's return on assets?
2.09% annualized in Q2 2026, against a 1.63% median for 19 ND banks with half to twice its assets, ahead of 95% of them.
What is Dakota Western Bank's efficiency ratio?
43.19% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 55.56%, and lower is better.
Is Dakota Western Bank growing its loans?
Net loans grew 18.2% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.