B
Western Dakota Bank
Rating Date
October 2025
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 9.10
Capitalization Index 8.10
Liquidity Index 5.00
Profitability Index 5.70
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 9.73%
5-Year Asset Growth 15.68%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Western Dakota Bank
Timber Lake, SD
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Total Assets 77.76M
Total Deposits 69.92M
Capital and Reserves Western Dakota Bank
Timber Lake, SD
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Capital 7.46M
Leverage Ratio 9.71
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio --
Liquidity Western Dakota Bank
Timber Lake, SD
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Hot Money Ratio 21.16%
Liquidity Ratio 62.07%
Profitability Western Dakota Bank
Timber Lake, SD
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5-Year Return on Average Assets 1.42%
Net Income 804.00K
Net Interest Spread 3.42%
Operating Profit to Average Assets 1.46%
Overhead Efficiency Ratio 57.37%
Return on Assets 1.39%
Return on Equity 14.84%