B
Western Dakota Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Western Dakota Bank
Timber Lake, SD
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Rating B
Asset Quality Index 8.60
Capitalization Index 7.30
Liquidity Index 5.30
Profitability Index 5.00
Stability Index 6.00
Company Info Western Dakota Bank
Timber Lake, SD
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FDIC Number 492
Phone Number (605) 865-3516
Website www.westerndakotabank.com
Asset Quality Western Dakota Bank
Timber Lake, SD
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1-Year Asset Growth 9.48%
5-Year Asset Growth 15.43%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 2.10%
Non-Performing Loans to Loans 0.00%
Balance Sheet Western Dakota Bank
Timber Lake, SD
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Total Assets 85.56M
Total Deposits 77.32M
Capital and Reserves Western Dakota Bank
Timber Lake, SD
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Capital 7.89M
Leverage Ratio 9.20
Loan Loss Reserves to Loans 1.48%
Risk-Based Capital Ratio --
Liquidity Western Dakota Bank
Timber Lake, SD
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Hot Money Ratio 21.07%
Liquidity Ratio 65.17%
Profitability Western Dakota Bank
Timber Lake, SD
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5-Year Return on Average Assets 1.55%
Net Income 480.00K
Net Interest Spread 3.20%
Operating Profit to Average Assets 1.17%
Overhead Efficiency Ratio 62.32%
Return on Assets 1.11%
Return on Equity 12.14%