Dakota Western Bank
Bowman, North Dakota · FDIC Cert #8637
Dakota Western Bank is an FDIC-insured bank (Certificate #8637) with $392M in total assets and $343M in total deposits as of the Q2 2024 Call Report. Headquartered in Bowman, North Dakota, the bank maintains a Tier 1 capital ratio of 13.43% (Well-Capitalized) and a nonperforming loan ratio of 2.04%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Dakota Western Bank (FDIC cert 8637) is a community bank — $392M in total assets, $343M in deposits, serving the Bowman, North Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.43% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.04% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 31.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.22% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Dakota Western Bank carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Dakota Western Bank
- Total Assets
- $392M
- Total Deposits
- $343M
- Tier 1 Capital Ratio
- 13.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.04%
- Liquidity Ratio
- 30.97%
- Return on Assets
- 1.22%
- Headquarters
- Bowman, North Dakota
- FDIC Certificate
- #8637
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Dakota Western Bank holds a Tier 1 capital ratio of 13.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Dakota Western Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Dakota Western Bank shows strong financial health indicators. With $392M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Dakota Western Bank Compares
Dakota Western Bank’s Health Score of 80 is 12 points above the North Dakota state average of 68 across 55 FDIC-insured banks. Its 13.43% Tier 1 capital ratio is 0.6 points below the US banking industry average near 14%. The 2.04% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.22% is in line with or above the national ROA benchmark of ~1.1%. Among 1539 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Dakota Western Bank is 10 points above the portfolio average of 70.
Frequently Asked Questions
Dakota Western Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Dakota Western Bank's Tier 1 capital ratio of 13.43% and nonperforming loan ratio of 2.04% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Dakota Western Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8637). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Dakota Western Bank holds $392M in total assets and $343M in total deposits. It is headquartered in Bowman, North Dakota (FDIC Certificate #8637).
Dakota Western Bank has a Tier 1 capital ratio of 13.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.04%, and the return on assets is 1.22%.
Yes. Dakota Western Bank is FDIC-insured (Certificate #8637). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Dakota Western Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.