What are the current interest rates at Dakota Western Bank?

Current rates for Dakota Western Bank include: 12-Month CD: 3.30%, 24-Month CD: 3.25%, 36-Month CD: 3.25%, 48-Month CD: 3.25%, 60-Month CD: 3.25%

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Dakota Western Bank

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Dakota Western Bank Rates & Review September 2026

Q: How many branches does Dakota Western Bank operate?

Dakota Western Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Dakota Western Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dakota Western Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Dakota Western Bank's 60-Month 60-Month Legacy Certificate of Deposit rates are at 3.40%, 12-Months 12-Month CD rates are at 3.30%, 12-Month CD rates are at 3.30%, 6-Months 6-Month CD rates are at 3.28%, 6-Month CD rates are at 3.28%. MonitorBankRates evaluates the financial stability of Dakota Western Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.15%. Rates last updated and verified on 09/20/2026.

Dakota Western Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dakota Western Bank? Share your experience about Dakota Western Bank by leaving a review below, or read customer reviews before you decide to use Dakota Western Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.15%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Dakota Western Bank

202 S Main St
Bowman, ND 58623

https://www.dwb.bank

Dakota Western Bank CD Rates

Product	Rate	APY	Term
60 Month Legacy Certificate of Deposit	-	3.40%	60-Month
Min Deposit $100 Min Balance $0 Details Add money any time during your term. Grow your investment up to $100,000 with guaranteed returns. APY - Annual Percentage Yield on these Certificates of Deposit (CD) is accurate as of 03/12/2026. Rates, terms, and conditions are subject to change without notice. Fees may reduce earnings. A penalty may be imposed for the early withdrawal of funds.The account holder must maintain a minimum balance of $0.01 each day to obtain the disclosed APY. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
12-Month CD	-	3.30%	12 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
12-Month CD	-	3.30%	12-Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
6-Month CD	-	3.28%	6 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
6-Month CD	-	3.28%	6-Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
24-Month CD	-	3.25%	24 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
24-Month CD	-	3.25%	24-Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
36-Month CD	-	3.25%	36 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
36-Month CD	-	3.25%	36-Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
48-Month CD	-	3.25%	48 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
48-Month CD	-	3.25%	48-Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
60-Month CD	-	3.25%	60 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
60-Month CD	-	3.25%	60-Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Month CD	-	3.24%	3 months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Month CD	-	3.24%	3 Month CD
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Dakota Western Bank’s Texas Ratio fell from 23.92% in Q3 2023 to 6.15% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 5.0 and its Health Grade from C to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$416M	6.15%	5.0	A
March 31, 2026	$412M	3.47%	5.0	A+
December 31, 2025	$421M	2.78%	5.0	A+
September 30, 2025	$397M	3.63%	5.0	A+
June 30, 2025	$391M	7.23%	5.0	A
March 31, 2025	$387M	4.18%	5.0	A+
December 31, 2024	$400M	4.92%	5.0	A+
September 30, 2024	$398M	13.20%	5.0	A
June 30, 2024	$392M	18.01%	4.8	B+
March 31, 2024	$377M	17.46%	4.8	B+
December 31, 2023	$400M	16.73%	4.9	A-
September 30, 2023	$377M	23.92%	3.6	C

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Dakota Western Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Dakota Western Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dakota Western Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dakota Western Bank

Bank Holding Company DAKOTA WESTERN BANKSHARES INC

Address 202 S Main St, Bowman, ND 58623 · Bowman

Website https://www.dwb.bank

FDIC Certificate # 8637

Established 19100101

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0887%

Return on Equity (ROE) 21.5400%

Non-Performing Loans (NPL) 0.61%

Total Assets $416,153,000

Total Deposits $361,567,000

Equity Capital $41,399,000

Net Income $4,348,000

Headquarters Bowman

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Dakota Western Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/dakota-western-bank-rates-review-8637">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Dakota Western Bank

How many branches does Dakota Western Bank operate?

Dakota Western Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Dakota Western Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dakota Western Bank provides members with tools to manage their accounts and build a solid financial history.

Does Dakota Western Bank offer online and mobile banking?

Most modern institutions like Dakota Western Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dwb.bank.