# WESTERN DAKOTA BANK
TIMBER LAKE, SD · FDIC certificate 492 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $85.6M | |
| Deposits | $77.3M | |
| Loans and leases | $28.0M | |
| Total equity | $7.9M | |
| Loans / deposits | 35.74% (p9 of band) | 73.59% |
| Liquid assets / assets | 63.66% (p90 of band) | |
| Uninsured deposits / deposits | 37.78% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.20% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -0.57% (p82 of band) | -6.57% |
| AOCI / equity | 0.03% (p86 of band) | |
| ROA (annualized) | 1.11% (p47 of band) | 1.17% |
| Net interest margin | 3.20% (p18 of band) | 3.93% |
| Efficiency ratio | 62.32% (p41 of band) | |
| Noncurrent loans | 0.62% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 237.71% | |
| Real estate % of loans | 38% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $539,000 (1.92% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 0 |  | leverage <7% |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 | leverage <7% | reserve under noncurrent |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | leverage <7%, capital falling |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | losing money | uninsured deposits leaving |
| 2013-06 | 2 | leverage <7%, capital falling | losing money |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | leverage <7%, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 3 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2015-06 | 2 |  | uninsured deposits leaving |
| 2015-09 | 2 | capital falling | losing money |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | NIM <2.5% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money, reserve under noncurrent | NIM <2.5% |
| 2017-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, reserve under noncurrent |
| 2017-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 4 | leverage <7%, capital falling, losing money |  |
| 2018-03 | 0 |  | expense ratio p90, leverage <7%, capital falling, losing money |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-06 [Western Dakota Bank plans new location, building in Isabel - Timber Lake Topic](https://news.google.com/rss/articles/CBMingFBVV95cUxOR0RybHpBdmozTHl4SWU3RGRYcmptSEhBRUNXQmc5WThfdWVIeHVXYmZFSEFWSXBtbGF0cm1Ya3kxSERWMl9yNWFsbVMyWjdYWmRiSFVGd2dRRXRnU3FmZHJnZmV0LS1nRUFVaEltWUhDdEk1RWktcjFMWGstZm1ZZDVqdUk4TXVCY2hjZFpTTnZpM3dhcDdkckZKOEZnUQ?oc=5) · Timber Lake Topic
- 2023-10-18 [Western Dakota Bank moves one door north to new building - Timber Lake Topic](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMWxoZTdmYlhySWc0eHYxUEN1TXo5aXlTR1F0M3RCcGoxR29xRDZza1g0R01uV2RHVHZxem5uSlJ5Rld1a0VKdzAyTUt2blFiM2ttM1cyYzAzeExVZE00UUswbXc0X1hrckdtRF9IZ1FOOXBSWFV2YjRwY1pJV05GcHVBY1hnMDBQSlZ3OEhEOTk5Q1B6Q1k3QWYwUk8?oc=5) · Timber Lake Topic
- 2021-12-17 [Obituary: BUTCH WEBB - Tri-State Livestock News](https://news.google.com/rss/articles/CBMiaEFVX3lxTFA5MHZOUnBqREp3MGxQalpnS0RibHlTZU5YSlJsZTVaZHhMenZXT29ibFhIdDVPUzJ2YVR5VktRVU1Zd0tOOWVUQmgwWUlQWUhCS21mbGZncl95c1JSVmdESE1HczJ5RzFH?oc=5) · Tri-State Livestock News
- 2014-04-22 [Increased regulations threaten small banks - Argus Leader](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWnZYb0tNM0N0Q3RyUVZyZEh2Wm5Ed2dzc09iTmE3Q0cwaU5oaUNxb2Vxd3U0Y3JQYlZtY3ctQXdzb092bVJjeW4wcXNfZXBzdkJRREFzRkNRaWt1ZFl0cjc0akhtMTVORUMyaVcwRng0NVVrUmpoT2pJUEh3ak1lbmZ2QV91QWMyNno3R1VSTUVqUFFVa2ZaR3lMVzAzVWlRQjBVVjk0cl96N1VfR1dzUWE1UWVsVWdDQ1E?oc=5) · Argus Leader
- 2020-07-07 [SBA releases list of businesses that benefited from PPP loans - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxQck1HenhZN1ZQYkZJMHJWVjVURW5FTHJiWGUxRXhXbTJwOVdNTWRSQjVkUmtoSjQ1Tk1qc1h2UmQ3OWx4LUJLVTd3TUlYekRFSmNLZmtFMWU0WmFDWkI5cEFIRWNoVWpaU0dsUFR1UEdlZGFQTHliOU56eXc2cDVxRkFuOTUtRjl0MUpRRnl0Uld6OG9T?oc=5) · SiouxFalls.Business
- 2026-07-22 [Getting Ready ... - Timber Lake Topic](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE85YXhtemMwbS1vZFRCelM4OW56anNCenp6Yjl6MmJxcjliR0VEQ1k3ZlRuRFpsQkpINWFIenNxVmpzVXZmVEVidV9KM3gtQjQwdEdEczFEaFI3N1N3Mkg5Vkt5bXYzVDQ?oc=5) · Timber Lake Topic
- 2021-10-29 [John Templer honored with Philanthropist of the Year award from ENMU - Timber Lake Topic](https://news.google.com/rss/articles/CBMimgFBVV95cUxNa0NGT1ZlVEM5Zi1NNDJaMHN2R0tPdWF2UkMxaGpId3BrUW9rbEpzalZDRDBQRmszeVZ6Ml9TOThyZDI1eVFlSFdZOWNJSTExWWVEZ3JpM1NTT2JyaUctQzhSeTBKVjBJM3dLeEZpZk5zYWhTNUNjQ0VwN0M0dXV2MjA0Qkd4NGV0b0xueTZQTGF2RTM2VWhwS1lB?oc=5) · Timber Lake Topic
- 2026-06-24 [You’re in Kraft country! - Timber Lake Topic](https://news.google.com/rss/articles/CBMib0FVX3lxTE9JUm9VVWtuWGdiQzlSTWhmNjFjR0lxdVNUWWJNeEczZTFBWkJVVHRmZlQ0cEU2TS0zOFRweUF1WS03dEVMX09ieUFsTGc4ajZmUm8yV085UlhNai1ZOGpzbVlIWXlBUmtQUWVweEhpUQ?oc=5) · Timber Lake Topic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=492 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "492", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide