TellerScore

Western Dakota Bank is a state-chartered bank headquartered in Timber Lake, South Dakota, in business for about 107 years. At the end of Q2 2026 it reported $85.6M in total assets and $77.3M in deposits, with 2 offices.

Western Dakota Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 43rd. Problem-loan coverage contributes the most (96/100, 2.1%); capital cushion contributes the least (42/100, 9.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.20%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.62%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 35.7% · 37.8% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (74 → 66), mostly because the loan quality component weakened by 21 points.

TellerScore
667278Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202478
Q1 202574
Q2 202574
Q3 202576
Q4 202575
Q1 202670
Q2 202666
Tier 1 leverage ratio
5.00%7.40%9.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.80%
Q4 20249.52%
Q1 20259.75%
Q2 20259.36%
Q3 20259.71%
Q4 20259.32%
Q1 20269.23%
Q2 20269.20%
Noncurrent loans
0.00%0.31%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.62%
Return on assets
0.89%1.30%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.71%
Q3 20241.64%
Q4 20241.62%
Q1 20251.15%
Q2 20251.36%
Q3 20251.39%
Q4 20251.42%
Q1 20260.89%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$85.6M9.20%0.62%1.11%35.7%
Q1 202670$89.2M9.23%0.00%0.89%30.7%
Q4 202575$85.9M9.32%0.00%1.42%32.8%
Q3 202576$77.8M9.71%0.00%1.39%40.4%
Q2 202574$78.2M9.36%0.00%1.36%38.4%
Q1 202574$76.3M9.75%0.00%1.15%35.1%
Q4 202478$76.1M9.52%0.00%1.62%36.0%
Q3 202478$70.9M9.80%0.00%1.64%41.0%
Q2 202477$74.0M9.21%0.00%1.71%34.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.20%
11th
Total risk-based capital0.00%
27th
Problem loans0.62%
43rd
Net charge-offs0.01%
33rd
Return on assets1.11%
57th
Net interest margin3.20%
20th
Efficiency ratio62.3%
69th
Loans to deposits35.7%
87th
Uninsured deposits37.8%
8th
Loan-loss reserves1.48%
67th
Texas ratio2.1%
49th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State Bank of CantonBank Canton, SD70 out of 100, Strong$81.6M8.7%0.00%vs
State Bank of Eagle ButteBank Eagle Butte, SD78 out of 100, Strong$80.3M12.4%0.07%vs
Ipswich State BankBank Ipswich, SD86 out of 100, Very strong$74.2M15.5%1.31%vs
Community BankBank Avon, SD76 out of 100, Strong$69.3M12.2%0.60%vs
The Security State BankBank Emery, SD99 out of 100, Very strong$64.8M19.5%0.00%vs
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs

Deposit insurance

Is my money safe at Western Dakota Bank?

Yes. Western Dakota Bank is an FDIC-insured institution (FDIC certificate #492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.8% of deposits ($29.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Western Dakota Bank lists 2 offices in 2 cities. Most locations:

  • Isabel, SD (1)
  • Timber Lake, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Western Dakota Bank
Former names
Dewey County Bank; Glencross State Bank
Type
State-chartered bank
FDIC certificate #
492
RSSD ID
128258
Primary regulator
FDIC
Holding company
Western Dakota Holding Co
Established
January 1, 1919
Headquarters
803 Main Street, Timber Lake, SD 57656
Employees
9

Quick answers

Western Dakota Bank: common questions

Is Western Dakota Bank FDIC insured?

Yes. Western Dakota Bank is an FDIC-insured institution (FDIC certificate #492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western Dakota Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Western Dakota Bank ever failed?

There is no failure record for FDIC certificate #492 in the FDIC failed bank list.

How many branches does Western Dakota Bank have?

2 offices as of the latest FDIC data.