BlastPoint's Banking Scorecard

Dakota Western Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 8637

Bowman, ND

5 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

Dakota Western Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 21.47% below tier average
+ ROA 0.69% above tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.13% below tier average

Get updates when Dakota Western Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$412.0M +6.4% YoY -2.1% QoQ	+$25.9M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$275.5M +13.6% YoY +1.4% QoQ	+$19.8M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$356.9M +4.2% YoY -3.3% QoQ	+$28.9M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	1.96% +3.1% YoY +7.6% QoQ	+0.69%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	Top 13.4% in tier
Net Interest Margin ?	3.80% +6.7% YoY +3.4% QoQ	-0.13%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	43.81% -6.5% YoY -5.6% QoQ	-21.47%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	Top 7.7% in tier
Delinquency Rate ?	0.50% -15.2% YoY +23.6% QoQ	-0.38%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	77.21% +9.0% YoY +4.9% QoQ	+0.57%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	22.51% +39.0% YoY +1.8% QoQ	+0.49%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.34% -9.5% YoY +28.1% QoQ	-0.30%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	14.67% -2.5% YoY -1.6% QoQ	-1.16%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.05% +22.1% YoY -70.0% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

205

Efficiency Ratio

profitability

Value: 43.81%

Peer Median: 65.29%

#205 of 2664 Top 7.7% in $100M-$1B

358

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.27%

#358 of 2664 Top 13.4% in $100M-$1B

Top Weaknesses (1 metrics)

2108

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2108 of 2664 Bottom 20.9% in $100M-$1B