FDIC Cert #492 · Timber Lake, South Dakota · Est. 1919

Western Dakota Bank - FDIC Bank Health Profile

A community-scale look at Western Dakota Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$86M
Total assets
B
Health grade · Good
1.42%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Western Dakota Bank earns a PlainBankData health grade of B (70/100), with 9.32% Tier 1 capital, profitable at 1.42% ROA, efficient (57% cost ratio).

#3,855
largest of 4,313 FDIC banks by assets
11th
percentile by asset size, nationally
9.32%
Tier 1 ratio - below the 10% well-capitalized line
70th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 492 · SD B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3076/4307
  • PHOTO-FINISH Morgantown Bank & Tr… · KY
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.42% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: Morgantown Bank & Trust Company, Incorporated, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Western Dakota Bank

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Horatio State Bank · AR · ne…70/100Morgantown Bank & Tr… · KY ·…70/100Phenix-Girard Bank · AL · ne…70/100Raccoon Valley Bank · IA · n…70/100Western Dakota Bank · SD · t…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Western Dakota Bank · July 2026

Plate reading for Western Dakota Bank where failures stay rare

Western Dakota Bank (FDIC Cert #492) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,076 of 4,307. Tier 1 capital prints at 9.32%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.42%. Balance-sheet scale is $86M, 3,855th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Morgantown Bank & Trust Company, Incorporated (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Western Dakota Bank

Only 1 FAILURE resolution in South Dakota since 2000

Western Dakota Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

How Western Dakota Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Western Dakota Bank's composite health score
Tier 1 Capital Ratio (9.32%) 18/40
Return on Assets (ROA) (1.42%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (56.58%) 12/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$86M

Total balance-sheet footings

Total Deposits

$78M

Customer-funded liabilities

Net Loans

$25M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.92% 9.32% 10.72%
Basel III capital ratios - Western Dakota Bank

Where Western Dakota Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Western Dakota Bank's score of 70/100 falls in the highlighted band.

Western Dakota Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Western Dakota Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Western Dakota Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Western Dakota Bank's $86M falls in the highlighted band.

Safety metrics: Western Dakota Bank

Tier 1 capital ratio
Well-capitalized 10%

9.32% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.32%
Texas Ratio
0.00%
Equity Capital
$8M

What these ratios mean →

Earnings posture at Western Dakota Bank

Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
15.23%
Efficiency Ratio
56.58%

What these mean →

Income & expense at Western Dakota Bank

$4M
Interest Income
$246K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Western Dakota Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Western Dakota Bank on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($86M here), outside South Dakota so the neighborhood is not state containment.

The Howard State Bank, Howard, Kansas $86M · KS First Bank of Pike $86M · GA Angelina Savings Bank, SSB $86M · TX Root River State Bank $86M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Western Dakota Bank (FDIC Cert #492) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Western Dakota Bank Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
Citibank, National AssociationSioux Falls $1.84T A 0.85%
Wells Fargo Bank, National AssociationSioux Falls $1.82T A 1.41%
The Bancorp Bank, National AssociationSioux Falls $9.3B A 2.81%
Pathward, National AssociationSioux Falls $7.6B A 2.65%
Dacotah BankAberdeen $4.8B B 1.01%
First Bank & TrustBrookings $4.7B B 1.02%
First PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%