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BDI
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Western Dakota Bank

Timber Lake, South DakotaFDIC Cert #492

STATEEstablished 19192 branches

Holding company: WESTERN DAKOTA HOLDING CORegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.89%
−22.8%y/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNETINC + ROA
ROE
9.90%
−19.5%y/y
Peer standing53rd percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNETINC + ROE
Pretax ROA
0.95%
−22.3%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICPTAXNETINC + ASSET
NIM
3.00%
−10.9%y/y
Peer standing11th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNIM + NIMY
Earning yield
4.59%
−6.8%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICINTINCY
IB deposit cost
2.22%
+0.2%y/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
66.87%
+6.4%y/y
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.02%
−4.5%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNONIX + ASSET
Fee share
7.87%
−3.0%y/y
Percentile by value55th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNONII + NIM
Assets YoY
+16.97%
+341.7%y/y
Percentile by value95th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICASSET
Deposits YoY
+17.79%
+489.3%y/y
Percentile by value95th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICDEP
Loans YoY
+3.31%
+26.2%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
39th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.11%Median 1.10%90th 1.97%Observations 329
ROE
FDICNETINC + ROE
53rd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 0.69%Median 9.42%90th 17.70%Observations 329
NIM
FDICNIM + NIMY
11th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.95%Median 3.93%90th 5.09%Observations 329
Efficiency
FDICNONIX + NIM + NONII + EEFFR
51st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 48.38%Median 67.12%90th 92.94%Observations 329
Deposits YoY
FDICDEP
94th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −4.05%Median +3.15%90th +12.96%Observations 329
Loans YoY
FDICLNLSNET
49th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −7.88%Median +3.43%90th +18.70%Observations 327
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
24th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.45%90th 3.24%Observations 327
Leverage
FDICRBC1AAJ
13th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.81%Median 11.93%90th 16.90%Observations 329

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
43rd percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.25%Median 2.14%90th 3.09%Observations 328
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 4%Median 46%90th 149%Observations 146

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.