BlastPoint's Banking Scorecard
Dakota Western Bank
Bowman, ND
5 branches across ND
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +4.5% year over year ($361.6M on the books).
- Delinquency rate 0.86%.
- Return on assets 2.09%.
- Efficiency ratio 43.19% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.06% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Dakota Western Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.29% below tier average
- + ROA 0.77% above tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$416.2M
+6.4% YoY
+1.0% QoQ
|
+$29.6M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$296.7M
+18.2% YoY
+7.7% QoQ
|
+$38.4M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$361.6M
+4.5% YoY
+1.3% QoQ
|
+$34.8M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
2.09%
+6.2% YoY
+6.7% QoQ
|
+0.77% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
Top 11.4% in tier |
| Net Interest Margin ? |
3.89%
+7.3% YoY
+2.4% QoQ
|
-0.09% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
43.19%
-6.1% YoY
-1.4% QoQ
|
-21.29% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
Top 6.7% in tier |
| Delinquency Rate ? |
0.86%
-17.8% YoY
+70.5% QoQ
|
-0.06% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
82.06%
+13.1% YoY
+6.3% QoQ
|
+4.11% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
22.14%
+11.7% YoY
-1.7% QoQ
|
+0.11% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.61%
-8.6% YoY
+81.8% QoQ
|
-0.06% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
14.03%
-4.9% YoY
-7.9% QoQ
|
-1.88% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.10%
+14.4% YoY
+94.4% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.1%
+2.3pp YoY -0.4pp QoQ |
0.0pp | 22.1% | 21.6% | 22.2% | 55% |
| Brokered Deposits |
7.7%
+3.0pp YoY +1.3pp QoQ |
-0.1pp | 7.9% | 6.0% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.3%
+5.7pp YoY -0.5pp QoQ |
+11.8pp | 11.6% | 12.9% | 12.5% | 92% |
| CRE | n/a | n/a | 39.5% | 29.0% | 41.4% | n/a |
| 1-4 Family |
1.0%
0.0pp YoY -0.1pp QoQ |
-31.6pp | 32.6% | 12.3% | 31.3% | 1% |
| Consumer |
3.8%
-0.8pp YoY -0.3pp QoQ |
-0.3pp | 4.1% | 4.5% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
-0.7pp YoY -1.2pp QoQ |
-4.8pp | 18.8% | 15.3% | 19.7% | 39% |
| Leverage Ratio |
11.6%
+0.2pp YoY +0.2pp QoQ |
-0.6pp | 12.2% | 10.7% | 12.6% | 59% |
| Total Capital Ratio |
15.3%
-0.7pp YoY -1.2pp QoQ |
-4.7pp | 19.9% | 16.3% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
36
-1 (-2.7%) YoY +2 (+5.9%) QoQ |
-23 | 58 | 138 | 482 | 36% |
| Assets per Employee ($) |
$11.6M
+9.3% YoY -4.6% QoQ |
+$4.0M | $7.5M | $8.3M | $8.8M | 92% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 7 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
0.0pp YoY +0.5pp QoQ |
+0.2pp | 0.3% | 0.5% | 0.4% | 84% |
| Nonaccrual |
0.3%
-0.2pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 0.7% | 1.0% | 41% |
| Allowance Coverage |
2.14x
+18.4% YoY -40.0% QoQ |
-22.02x | 24.15x | 73.79x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.5pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.5%
-1.0pp YoY +1.1pp QoQ |
+9.3pp | 12.2% | 16.0% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 59% |
| Net Income ($, YTD) |
$4.3M
+12.5% YoY — QoQ |
+$1.8M | $2.6M | $7.0M | $40.4M | 83% |
Get Full Access to Dakota Western Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.