Dakota Western Bank
202 S Main St, Bowman, ND 58623
Financial Overview
Financial Health Analysis
Dakota Western Bank is a currently active agricultural specialization banking institution headquartered in Bowman, North Dakota. Established in 01/01/1910, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, Dakota Western Bank manages $412.0M in total assets and holds $356.9M in customer deposits. When evaluating the stability of Dakota Western Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.70%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.96%, while its Return on Equity (ROE) sits at 20.44%. These robust metrics contribute to an overall health score of 9.9 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$71.4M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.