| Metric | Dakota Western Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +18.2% | +5.6% | +12.6 pts |
| ROA | 2.09% | 1.24% | +0.9 pts |
| ROE | 21.5% | 11.9% | +9.7 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $416.2M | $361.6M | $296.7M | $41.4M | $4.3M | 2.09% | 3.89% | 0.61% |
| Q1 2026 | $412.0M | $356.9M | $275.5M | $40.0M | $2.0M | 1.96% | 3.80% | 0.34% |
| Q4 2025 | $420.8M | $368.9M | $271.6M | $39.8M | $7.3M | 1.82% | 3.68% | 0.26% |
| Q3 2025 | $396.7M | $342.5M | $268.4M | $38.5M | $5.7M | 1.93% | 3.67% | 0.35% |
| Q2 2025 | $391.3M | $346.2M | $251.1M | $36.3M | $3.9M | 1.97% | 3.63% | 0.67% |
| Q1 2025 | $387.2M | $342.6M | $242.6M | $34.4M | $1.9M | 1.90% | 3.56% | 0.37% |
| Q4 2024 | $400.4M | $358.3M | $241.6M | $32.1M | $5.6M | 1.42% | 3.18% | 0.39% |
| Q3 2024 | $397.5M | $353.0M | $253.5M | $33.6M | $3.9M | 1.33% | 3.07% | 1.11% |
Loan mix (Q2 2026): real estate $90.0M · commercial $69.2M · consumer $11.3M · securities $93.2M
| Ratio | Dakota Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 62.9% | 6th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Dakota Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Dakota Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Dakota Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Dakota Western Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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