# DAKOTA WESTERN BANK
BOWMAN, ND · FDIC certificate 8637 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $416.2M | |
| Deposits | $361.6M | |
| Loans and leases | $302.2M | |
| Total equity | $41.4M | |
| Loans / deposits | 82.06% (p50 of band) | 82.04% |
| Liquid assets / assets | 24.87% (p50 of band) | |
| Uninsured deposits / deposits | 26.80% (p54 of band) | 25.97% |
| Brokered deposits | 6.72% | |
| Wholesale funding | 8.64% (p73 of band) | |
| FHLB advances / assets | 1.92% | |
| Tier 1 leverage | 11.57% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -15.12% (p31 of band) | -8.10% |
| AOCI / equity | -1.02% (p22 of band) | |
| ROA (annualized) | 2.09% (p89 of band) | 1.28% |
| Net interest margin | 3.89% (p49 of band) | 3.91% |
| Efficiency ratio | 43.19% (p8 of band) | |
| Noncurrent loans | 0.84% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 213.74% | |
| Real estate % of loans | 30% | |
| Construction % of loans | 1.86% (p6 of band) | |
| Auto loans | $2.9M (0.94% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (2% of equity) (p92 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 36 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 0 |  | wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 2 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2016-09 | 3 | charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2016-12 | 2 | deposits shrinking | uninsured deposits leaving, reserve under noncurrent |
| 2017-03 | 1 | reserve under noncurrent | charge-offs p90, deposits shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2020-09 | 2 |  | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | noncurrent p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, noncurrent p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 4 | reserve under noncurrent |  |
| 2022-12 | 3 |  | reserve under noncurrent |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling, reserve under noncurrent |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-12 | 1 | securities losses >30% of equity | noncurrent p90 |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-12 [Rustic Orchid Floral Hettinger ND: Community Blossom - ND Small Business Development Centers - University of North Dakota (UND)](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZmpLX2tLV2VxWmIxM2l5M2VrYmNCR18tM1lic3FfazVhdUZFdWZEc0haUjg4SEl3cGw4Tjl0Q0lLQUs3YTRUV3J2M0xSOFVQUHJmQnBvalQteTUySk1jQ1k3QU1sTHFPTGs0cUNjbi15c1NQMEIzWVZZNWMzZml0NGhyWmc2T0pZVzdYX1hR?oc=5) · University of North Dakota (UND)
- 2026-05-10 [Albert E. Bowman Obituary Feb 5, 2009 - Krebsbach Funeral Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE4ycDZyZUFiQUZDZl9rNzg4cXNFYUZoNTRmLVNuMEVJbzVMUzVPLUxQR0EzODNObFVlenR6a1BDZVZ4RGFmVXpMbVB1RU9NemUwQmN0ZWxvSmdHY0VzVS1tcDcxc2NxT3V5S1BXeDY4RQ?oc=5) · Krebsbach Funeral Service
- 2024-12-24 [LaVon Getz Obituary Dec 24, 2024 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE9zYjhxcXpnOHdjYTBqMDV4LXhadVRucTJSallpM1U2VlZKWTlLbHI2MUdQSldscHlxVVhXY3hZSk4wNGJPSlMzTmhhRFdfS0hlMXlUN1VPX0FDaDNaSmpyTWxHeUg5cllhUGc?oc=5) · Stevenson Funeral Homes
- 2025-04-27 [Obituary | Barbara "Barb" Luger of Hettinger, North Dakota - Evanson Jensen Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE94WFdoN0t0ZEpidUM0VmI4eVdPUks5QnUzZUd5NkxpWkpDTzFVNEpVWnVJSHEzUDR5T0sxQ3g5cWozQm1ES1A3QjFNSGtqMGFOUTF2REtkX1ZxUVd4LVpub29HRVlIM0FkWDg5S0Etckg?oc=5) · Evanson Jensen Funeral Homes
- 2026-07-22 [60-year-old dining chain franchisee files Chapter 11 bankruptcy - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcDRKcTV0S0hIN3FMcWZBZzZWd1JWZmQ1b1NtOUxSellPMVAwZXJWR2RwM2lRQlJaMThxTW5DbUVoTzhtYVgzUnFrMWE2RWloMk11cEpQSnZnMHdtZ1M3bFZaZ0c5VHRlYWVOYUpiUEtmYVlBaGRJLXJDV1dncGZYaDlPSEUyRDNtMFNnektRMTFOcUVqYlJBLUxIcw?oc=5) · Yahoo Finance
- 2025-04-30 [Success Story: Peacock Merchantile - ND Small Business Development Centers - University of North Dakota (UND)](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUk45RHpXVklWWlR2MGIyX29zNVZ0Rk9kalItTTk4czR5LVhVT1dPMU00bHZPb0ctR1RqNEFEeXVhOEJHMEJ5MHhUTlRjeTJFdFJKd0sxNW1IOThrNlllSEJEU3M2VmZKSlFMcVdHaTRPNW1ENjQ2MktTOHRLb2tEckJyZk5EcnlVVjB0Ug?oc=5) · University of North Dakota (UND)
- 2024-02-18 [Robert E. Shuck Obituary Feb 18, 2024 - Krebsbach Funeral Service](https://news.google.com/rss/articles/CBMibkFVX3lxTFA1R0Rubllldk03VnhfSGxkcjJ6QlpMa29IZEZIdEk2aW5kcXFoUDJHeU9KQ2c4Y3lQaU5xNVlJVTVBZzRBckxweDRQWHRuaUNFNkVhS2dLSVZOU0xiNVl1UXU0eEVuX3hnVW90WTZB?oc=5) · Krebsbach Funeral Service
- 2016-08-07 [Carolyn M. Bingham Obituary Aug 7, 2016 - Krebsbach Funeral Service](https://news.google.com/rss/articles/CBMickFVX3lxTFA5R0NFVmVLNXVmbGFyemVVSzRXNE0tdnhRY2t1ak16YU1jNkFNbUdyMGdlckt3RVVWVVYtbVQ5NU9YZTFEYzd3eDMwLXNGWl9tMzlBSS1CeDE1N1ZLcmFzb3NoSnRRN2ZzaHhkQllQanoyQQ?oc=5) · Krebsbach Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8637 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "8637", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide