Bank Comparison
Farmers State Bank of Canton vs Western Dakota Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 12
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Farmers State Bank of Canton | Western Dakota Bank |
|---|---|---|
| CET1 Ratio | 15.32% | — |
| Tier 1 Capital Ratio | 15.32% | — |
| Total Capital Ratio | 15.86% | — |
| Tier 1 Leverage Ratio | 8.51% | 9.23% |
| Equity / Assets | 7.87% | 8.93% |
Profitability
| Metric | Farmers State Bank of Canton | Western Dakota Bank |
|---|---|---|
| Return on Assets (ROA) | 0.48% | 0.90% |
| Return on Equity (ROE) | 6.09% | 9.90% |
| Net Interest Margin (NIM) | 3.00% | 3.02% |
| Yield on Earning Assets | 5.04% | 4.62% |
| Cost of Funds | 2.04% | 1.63% |
Asset quality
| Metric | Farmers State Bank of Canton | Western Dakota Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.58% | 1.60% |
Balance sheet
| Metric | Farmers State Bank of Canton | Western Dakota Bank |
|---|---|---|
| Total Assets | $81,373K | $89,193K |
| Total Deposits | $70,191K | $80,902K |
| Total Loans | $42,700K | $25,276K |
| Total Equity | $6,408K | $7,967K |
| Net Income (quarter) | $98 | $195 |
Liquidity & funding
| Metric | Farmers State Bank of Canton | Western Dakota Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.83% | 31.24% |
| Core Deposit Ratio | 95.32% | 87.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank of Canton | Western Dakota Bank |
|---|---|---|
| Headquarters City | CANTON | TIMBER LAKE |
| Headquarters State | SD | SD |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 10 | 9 |
| Established | Oct. 1, 1901, midnight | Jan. 1, 1919, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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