Cass Lake, MN · Cert 5110 · Western Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
100
Profitability
56
Liquidity
0
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cass Lake, MN · Cert 5110 · Western Bcorp Inc.
National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.97% | 1.64% | 1.37% | 1.30% | 1.29% | 1.14% | 1.04% | -33 bps | |
| Return on Equity | 9.90% | 10.50% | 15.25% | 12.61% | 11.89% | 12.11% | 11.31% | 10.15% | -246 bps | |
| Net Interest Margin | 3.67% | 3.97% | 3.96% | 4.11% | 4.22% | 3.76% | 4.11% | 4.65% | +53 bps | |
| Efficiency Ratio | 80.68% | 79.25% | 71.62% | 73.19% | 73.11% | 73.56% | 76.12% | 78.40% | +522 bps | |
| Non-Interest Burden | 2.49% | 2.61% | 1.84% | 2.14% | 2.23% | 2.09% | 2.67% | 3.32% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.71% | -20.40% | -3.57% | -16.57% | -8.56% | 14.93% | 14.34% | 11.69% | +2,826 bps | |
| Loan Growth (YoY) | 3.08% | 4.66% | 0.42% | -1.25% | 2.02% | 3.32% | 4.84% | 23.26% | +2,451 bps | |
| Deposit Growth (YoY) | 9.27% | -22.65% | -8.68% | -18.64% | -10.30% | 15.37% | 20.38% | 12.26% | +3,090 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.41% | 0.00% | 1.18% | 0.00% | 0.00% | 0.69% | 0.00% | -118 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.02% | 0.80% | 0.59% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.51% | 1.51% | 1.52% | 1.80% | 1.48% | 1.46% | 1.45% | 1.24% | -55 bps | |
| Allowance Coverage of NPLs | 20.2x | 3.7x | n/a | 1.5x | n/a | n/a | 2.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.47% | 9.14% | 9.95% | 10.11% | 10.06% | 8.77% | 8.85% | 9.11% | -99 bps | |
| Total Risk-Based Capital | 25.67% | 18.87% | 9.95% | 27.59% | 25.15% | 27.66% | 24.55% | 18.27% | -932 bps | |
| Equity / Assets | 9.69% | 10.37% | 11.10% | 11.05% | 11.08% | 9.92% | 10.31% | 10.45% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.27% | 40.38% | 43.08% | 40.10% | 41.26% | 36.17% | 37.51% | 44.03% | +393 bps | |
| Liquid Assets / Assets | 36.24% | 41.25% | 33.43% | 35.68% | 21.49% | 30.96% | 30.03% | 20.24% | -1,544 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 234% | 236% | 228% | n/a | n/a | |
Cass Lake, MN · Cert 5110 · Peer group: banks under $1B in assets in MN (n=111-113) · Western Bcorp Inc.
National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets
1.05%
Rank 68 of 113
Net Interest Margin
4.65%
Rank 10 of 113
Efficiency Ratio
78.40%
Rank 103 of 113
Equity / Assets
10.45%
Rank 54 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.87% | 1.20% | 1.41% | Beats 40% | 68 / 113 | ||
| Return on Equity | 10.08% | 8.92% | 11.27% | 13.99% | Beats 36% | 72 / 113 | ||
| Net Interest Margin | 4.65% | 3.42% | 3.88% | 4.31% | Beats 91% | 10 / 113 | ||
| Efficiency Ratio | 78.40% | 54.13% | 61.48% | 69.86% | Beats 10% | 103 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.37% | 11.53% | 13.31% | 18.13% | Beats 73% | 31 / 113 | ||
| Total Risk-Based Capital Ratio | 18.27% | 12.12% | 14.43% | 19.39% | Beats 73% | 31 / 113 | ||
| Equity / Assets | 10.45% | 8.52% | 10.10% | 11.94% | Beats 52% | 54 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.03% | 62.08% | 77.32% | 88.06% | 6th pctl | 104 / 111 | ||
| Loans / Assets | 39.19% | 55.01% | 66.35% | 75.50% | 9th pctl | 103 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||