Dakota Western Bank (FDIC #8637): Bank Stress & Real-Estate Credit Exposure
Dakota Western Bank (FDIC Cert #8637): bank stress 49/100, moderate, STABLE over 7 days; parent DAKOTA WESTERN BANKSHARES INC.
Dakota Western Bank (#8637) lends in 3 counties across 1 state; Dakota Western Bank (#8637) reaches 11 ZIP codes: North Dakota 3 counties, 11 ZIPs.
Dakota Western Bank (#8637) largest markets: Adams County, ND (6 branches, 6 ZIPs) (#8637), Bowman County, ND (15 branches, 5 ZIPs) (#8637), Hettinger County, ND (5 branches, 5 ZIPs) (#8637).
Dakota Western Bank (#8637) reports $416.2 million in total assets; Dakota Western Bank (#8637) equity $41.4 million (9.9% of Dakota Western Bank (#8637) assets); Dakota Western Bank (#8637) domestic deposits $361.6 million; Dakota Western Bank (#8637) net income $4.3 million; Dakota Western Bank (#8637) return on assets 2.09%; Dakota Western Bank (#8637) return on equity 21.54%; Dakota Western Bank (#8637) net interest income $7.8 million; Dakota Western Bank (#8637) call report June 30, 2026.
Dakota Western Bank (#8637) noncurrent real-estate loans: none reported; Dakota Western Bank (#8637) net charge-offs on real estate 1.95%; Dakota Western Bank (#8637) residential charge-offs 2.02%.
Dakota Western Bank (#8637) net interest margin 3.89% against an eight-quarter Dakota Western Bank (#8637) average of 3.56% (Dakota Western Bank (#8637) compression -0.33 points); Dakota Western Bank (#8637) non-residential real estate 202.5% of equity; Dakota Western Bank (#8637) rate-exposure score 40/100, Dakota Western Bank (#8637) fixed-rate trap 40/100; Dakota Western Bank (#8637) risk type credit driven; Dakota Western Bank (#8637) rate regime rates elevated, Dakota Western Bank (#8637) snapshot October 20, 2026.
Dakota Western Bank (#8637) stress score moved from 51.3 on June 22, 2026 to 49 on October 20, 2026; Dakota Western Bank (#8637) ranged 49 to 51.3 over 117 snapshots.
Dakota Western Bank (#8637) alerts: 3 counties; top Dakota Western Bank (#8637) alert scores: Hettinger County, ND 29 (low); Regent County, ND 19 (low); Scranton County, ND 19 (low).