Western Dakota Bank
Operating from Timber Lake, SD, Western Dakota Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Western Dakota reported $89M in total assets against $81M in deposits. Profitability tracks the broader industry — ROA 0.90%, ROE 9.90%, NIM 3.02%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.23% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. 2 branches make up the footprint.
Headquarters Profile
- Address
- 803 Main Street, TIMBER LAKE, SD 57656
- County
- Dewey
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1919
- Branches
- 2 domestic
- Employees (FTE)
- 9
- FDIC Cert
- 492
- Fed RSSD
- 128258
- Website
- www.westerndakotabank.com →
- Parent Holding Company
- WESTERN DAKOTA HOLDING COMPANY (RSSD 2351359)
Capital & Liquidity
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Western Dakota Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Western Dakota Bank
What are Western Dakota Bank's total assets?
As of the Q1 2026 filing, Western Dakota Bank reported total assets of $89.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western Dakota Bank headquartered?
Western Dakota Bank is headquartered in TIMBER LAKE, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Western Dakota Bank founded?
Western Dakota Bank was established in 1919, per the FDIC institution directory.
Is Western Dakota Bank FDIC-insured?
Yes. Western Dakota Bank is an FDIC-insured commercial bank (FDIC Certificate #492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Dakota Bank?
Western Dakota Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Western Dakota Bank operate?
Western Dakota Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Western Dakota Bank's Texas Ratio?
Western Dakota Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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