Bank Comparison
Western Dakota Bank vs Paramount Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 9
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Western Dakota Bank | Paramount Bank |
|---|---|---|
| CET1 Ratio | — | 17.04% |
| Tier 1 Capital Ratio | — | 17.04% |
| Total Capital Ratio | — | 18.15% |
| Tier 1 Leverage Ratio | 9.23% | 12.76% |
| Equity / Assets | 8.93% | 13.00% |
Profitability
| Metric | Western Dakota Bank | Paramount Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | -0.91% |
| Return on Equity (ROE) | 9.90% | -6.75% |
| Net Interest Margin (NIM) | 3.02% | 3.21% |
| Yield on Earning Assets | 4.62% | 6.02% |
| Cost of Funds | 1.63% | 3.17% |
Asset quality
| Metric | Western Dakota Bank | Paramount Bank |
|---|---|---|
| Texas Ratio | 0.00% | 9.05% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.53% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.60% | 0.95% |
Balance sheet
| Metric | Western Dakota Bank | Paramount Bank |
|---|---|---|
| Total Assets | $89,193K | $88,989K |
| Total Deposits | $80,902K | $76,223K |
| Total Loans | $25,276K | $73,280K |
| Total Equity | $7,967K | $11,572K |
| Net Income (quarter) | $195 | $-197 |
Liquidity & funding
| Metric | Western Dakota Bank | Paramount Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 31.24% | 96.14% |
| Core Deposit Ratio | 87.31% | 94.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Western Dakota Bank | Paramount Bank |
|---|---|---|
| Headquarters City | TIMBER LAKE | HAZELWOOD |
| Headquarters State | SD | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 9 | 33 |
| Established | Jan. 1, 1919, midnight | Dec. 30, 2004, 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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