Advertisement
Western Dakota Bank
Timber Lake, SD · FDIC Certificate #492 · Chartered 01/0
Total assets
$85.56M
Total deposits
$77.32M
Total equity
$7.89M
Net loans
$27.63M
Branches (offices)
2
Net income (YTD)
$480.00K
Rank: #3,791 of 4,213 U.S. banks by assets · #43 of 56 in South Dakota. Assets changed 9.5% and deposits 9.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 12.18% |
| Net interest margin (YTD) | 3.20% |
| Equity to assets | 9.22% |
| Tier 1 leverage ratio | 9.20% |
| Uninsured deposits (share of deposits) | 37.8% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 35.7% |
| Real estate loans (share of loans) | 38.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.64M | 38.5% | |
| Commercial & industrial | $2.27M | 8.2% | |
| Consumer / individual | $996.00K | 3.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $14.06M | 50.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $65.21M | $60.74M | $198.00K | $4.42M |
| Jun 2023 | $67.10M | $61.36M | $574.00K | $5.54M |
| Jun 2024 | $74.03M | $67.40M | $628.00K | $6.35M |
| Jun 2025 | $78.16M | $70.66M | $523.00K | $7.14M |
| Jun 2026 | $85.56M | $77.32M | $480.00K | $7.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $77.32M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $77.32M.
Similar-sized banks
Rochelle State Bank ($85.64M) · Bank Of Maple Plain ($85.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement