WESTERN DAKOTA BANK
TIMBER LAKE, SOUTH DAKOTA · FDIC Cert #492
Capital & Safety Analysis
According to FDIC financial data, WESTERN DAKOTA BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject WESTERN DAKOTA BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
WESTERN DAKOTA BANK shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WESTERN DAKOTA BANK has a Bank Health Score of C (64/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WESTERN DAKOTA BANK holds $74M in total assets and $67M in total deposits. It is located in TIMBER LAKE, SOUTH DAKOTA (FDIC Certificate #492).
WESTERN DAKOTA BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 1.78%.
Yes. WESTERN DAKOTA BANK is FDIC-insured (Certificate #492). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.