BlastPoint's Banking Scorecard
Western Dakota Bank
Designations: ✓ Community bank
Timber Lake, SD
2 branches across SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +9.4% year over year ($77.3M on the books).
- Delinquency rate 0.63%.
- Return on assets 1.11%.
- Efficiency ratio 62.32% vs a 119.40% peer average.
- Loan-to-deposit ratio 35.74% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Western Dakota Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 57.07% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.6M
+9.5% YoY
-4.1% QoQ
|
+$23.1M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$27.6M
+1.8% YoY
+11.1% QoQ
|
-$7.3M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$77.3M
+9.4% YoY
-4.4% QoQ
|
+$25.7M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
Top 12.3% in tier |
| Return on Assets ? |
1.11%
-18.8% YoY
+24.0% QoQ
|
+0.11% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.20%
-7.3% YoY
+6.6% QoQ
|
-0.72% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
62.32%
+6.7% YoY
-6.8% QoQ
|
-57.07% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? | 0.63% | -0.85% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
35.74%
-7.0% YoY
+16.2% QoQ
|
-38.47% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.67%
+5.5% YoY
-16.1% QoQ
|
+0.19% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? | 0.20% | -0.63% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
9.20%
-1.7% YoY
-0.3% QoQ
|
-17.93% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.2% in tier |
| Non-Interest Income / Assets ? |
0.14%
-16.5% YoY
+134.5% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.7%
+1.2pp YoY -4.5pp QoQ |
-1.0pp | 24.6% | 23.5% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.2%
-3.6pp YoY -1.7pp QoQ |
-5.2pp | 13.4% | 14.1% | 12.5% | 41% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 14.9% | 31.3% | n/a |
| Consumer |
3.6%
+0.2pp YoY -0.4pp QoQ |
-4.1pp | 7.7% | 8.5% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.6% | 19.7% | n/a |
| Leverage Ratio |
9.2%
-0.2pp YoY 0.0pp QoQ |
-8.5pp | 17.7% | 11.9% | 12.6% | 11% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
+4 (+80.0%) YoY 0 QoQ |
-3 | 12 | 6,279 | 482 | 36% |
| Assets per Employee ($) |
$9.5M
-39.2% YoY -4.1% QoQ |
+$3.3M | $6.2M | $8.1M | $8.8M | 92% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 92 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.6% | -0.3pp | 1.0% | 0.2% | 0.4% | 59% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | 2.38x | -4.03x | 6.41x | 96.54x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.7% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
-2.5pp YoY +2.3pp QoQ |
+5.8pp | 6.4% | 12.4% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 63% |
| Net Income ($, YTD) |
$480,000
-8.2% YoY — QoQ |
+$162K | $317,817 | $418.8M | $40.4M | 72% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.