Total Assets
$86M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$78M
Customer-funded liabilities
Net Loans
$25M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
15.23%
Efficiency Ratio
56.58%
What the numbers say about Western Dakota Bank
Western Dakota Bank is an FDIC-insured institution (Certificate #492) headquartered in Timber Lake, South Dakota, established in 1919. It holds $86M in total assets - 3,855th of 4,313 FDIC-insured banks, $78M in customer deposits, and $25M in net loans. Looking at capital strength, Tier 1 stands at 9.32%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Western Dakota Bank ranks 44th of 56 banks based in South Dakota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in South Dakota by total assets
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.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Western Dakota Bank's health grade?▼
Western Dakota Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Western Dakota Bank?▼
Western Dakota Bank holds $86M in total assets and $78M in deposits, ranking 3,855th of 4,313 FDIC-insured banks by asset size. It is headquartered in Timber Lake, South Dakota.
Is my money safe at Western Dakota Bank?▼
Yes, deposits at Western Dakota Bank (Certificate #492) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Western Dakota Bank's Tier 1 Capital Ratio?▼
Western Dakota Bank has a Tier 1 Capital Ratio of 9.32%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Western Dakota Bank?▼
Western Dakota Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Western Dakota Bank?▼
Western Dakota Bank has an Efficiency Ratio of 56.58%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Western Dakota Bank's profile as a depositor or analyst.
- Western Dakota Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Western Dakota Bank against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.