Western National Bank of Cass Lake
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
$37.1MAssets
$14.5MLoans
$33.0MDeposits
$3.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: efficiency ratio trails 90% of banks under $1B in assets in MN (rank 103 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 10% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |