WESTERN DAKOTA BANK

TIMBER LAKE, SD | Micro | Est. Jan. 1, 1919, midnight | FDIC #492 | RSSD #128258 | FDIC
Latest Report: 2025-12-31

WESTERN DAKOTA BANK is amn micro FDIC-insured commercial bank headquartered in TIMBER LAKE, SD, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $78M. Profitability stands at 1.54% ROA and 16.47% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 9.08%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #492.

Assets

$86M

Deposits

$78M

Loans

$26M

Equity

$8M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 16.47%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.34%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 9.08%
Tier 1 Capital 9.08%
Total Capital Ratio 9.53%
Leverage Ratio 9.32%
Loan-to-Deposit 33.29%

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