| Metric | Western Dakota Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +3.0% | +6.5 pts |
| Deposit growth (YoY) | +9.4% | +2.5% | +6.9 pts |
| Loan growth (YoY) | +1.8% | +2.6% | -0.8 pts |
| ROA | 1.10% | 0.99% | +0.1 pts |
| ROE | 12.2% | 8.1% | +4.1 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.6M | $77.3M | $27.6M | $7.9M | $480K | 1.10% | 3.20% | 0.20% |
| Q1 2026 | $89.2M | $80.9M | $24.9M | $8.0M | $195K | 0.89% | 3.00% | 0.00% |
| Q4 2025 | $85.9M | $77.7M | $25.5M | $7.8M | $1.1M | 1.42% | 3.43% | 0.00% |
| Q3 2025 | $77.8M | $69.9M | $28.2M | $7.5M | $804K | 1.39% | 3.43% | 0.00% |
| Q2 2025 | $78.2M | $70.7M | $27.2M | $7.1M | $523K | 1.36% | 3.45% | 0.00% |
| Q1 2025 | $76.3M | $68.7M | $24.1M | $7.3M | $220K | 1.16% | 3.36% | 0.00% |
| Q4 2024 | $76.1M | $68.8M | $24.8M | $7.0M | $1.2M | 1.62% | 3.63% | 0.00% |
| Q3 2024 | $70.9M | $63.8M | $26.1M | $6.7M | $893K | 1.64% | 3.59% | 0.00% |
Loan mix (Q2 2026): real estate $10.6M · commercial $2.3M · consumer $996K · securities $3.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western Dakota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.99% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 8.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 70.8% | 31th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Western Dakota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Western Dakota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Western Dakota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Western Dakota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.