Western Dakota Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western Dakota Bank of Timber Lake, SD against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 3.13% | -1.81% | 63rd above |
| ROAE | 14.38% | 10.29% | +4.09% | 79th top |
| Net Interest Margin | 3.38% | 3.94% | -0.56% | 26th below |
| Efficiency Ratio | 58.15% | 76.36% | -18.21% | 73rd above |
| PPNR / Avg Assets | 1.44% | 1.40% | +0.04% | 58th above |
| Yield on Earning Assets | 5.02% | 5.35% | -0.33% | 42nd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.67% | 1.70% | -0.03% | 44th below |
| Net Interest Spread | 2.77% | 3.32% | -0.55% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.10% | -0.08% | 25th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.48% | 1.49% | -0.01% | 66th above |
| Texas Ratio | 2.11% | 8.28% | -6.17% | 51st above |
| Provision / NCO | 2400.00% | 277.75% | +2122.25% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.20% | 17.66% | -8.46% | 12th bottom |
| Equity / Assets | 9.22% | 16.46% | -7.24% | 19th bottom |
| TCE / Tangible Assets | 9.22% | 16.21% | -6.99% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 36.28% | 72.92% | -36.64% | 87th top |
| Core Deposit Ratio | 85.41% | 88.28% | -2.87% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.48% | 4.25% | +5.23% | 81st top |
| Loan Growth (Y/Y) | 1.86% | 6.76% | -4.90% | 48th below |
| Deposit Growth (Y/Y) | 9.42% | 3.71% | +5.71% | 82nd top |
See Western Dakota Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western Dakota Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Western Dakota Bank profile, how to read a UBPR, or how this data updates.