Bank · FDIC insured
Dakota Western Bank
A $416.2M bank headquartered in Bowman, ND, with 5 branches in North Dakota. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs874.00%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Dakota Western Bank
Established in 1910, Dakota Western Bank is an independent, locally-owned bank headquartered and operated in southwest North Dakota.
Originally chartered in 1910 as Farmers State Bank of Buffalo Springs, the charter relocated to Rhame in 1922 as The Bank of Rhame before moving to Bowman as Dakota Western Bank in 1976.
The bank opened a Scranton branch in 1996 and merged with West River State Bank of Hettinger in 2001 after purchasing it in 2000.
- Headquarters
- 202 S Main St, Bowman, ND 58623
- FDIC certificate
- 8637 ↗
Branches
5 branches in North Dakota
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North Dakota
5 branches
Bowman area · 1
- Dakota Western BankMain office202 S Main St, Bowman, ND 58623Directions
Hettinger area · 1
- West River State Bank BranchAdams Avenue And Fourth Street, Hettinger, ND 58639Directions
Regent area · 1
- Regent Branch24 Main Ave S, Regent, ND 58650Directions
Rhame area · 1
- Paying And Receiving Branch203 Main Street S, Rhame, ND 58651Directions
Scranton area · 1
- Scranton Branch307 Hiway 67 North, Scranton, ND 58653Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.57% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.84% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio11.57%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.84%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Dakota Western Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.