Bank Comparison
Western Dakota Bank vs Menard Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 11
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Western Dakota Bank | Menard Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.23% | 12.11% |
| Equity / Assets | 8.93% | 8.98% |
Profitability
| Metric | Western Dakota Bank | Menard Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | 2.10% |
| Return on Equity (ROE) | 9.90% | 24.46% |
| Net Interest Margin (NIM) | 3.02% | 2.83% |
| Yield on Earning Assets | 4.62% | 3.49% |
| Cost of Funds | 1.63% | 0.74% |
Asset quality
| Metric | Western Dakota Bank | Menard 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 | 1.60% | 1.75% |
Balance sheet
| Metric | Western Dakota Bank | Menard Bank |
|---|---|---|
| Total Assets | $89,193K | $89,390K |
| Total Deposits | $80,902K | $81,276K |
| Total Loans | $25,276K | $12,676K |
| Total Equity | $7,967K | $8,030K |
| Net Income (quarter) | $195 | $476 |
Liquidity & funding
| Metric | Western Dakota Bank | Menard Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 31.24% | 15.60% |
| Core Deposit Ratio | 87.31% | 87.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Western Dakota Bank | Menard Bank |
|---|---|---|
| Headquarters City | TIMBER LAKE | MENARD |
| Headquarters State | SD | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 9 | 9 |
| Established | Jan. 1, 1919, 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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