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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.30% | 1.29% | 1.14% | 1.04% | -33 bps | |
| Return on Equity | 12.61% | 11.89% | 12.11% | 11.31% | 10.15% | -246 bps | |
| Net Interest Margin | 4.11% | 4.22% | 3.76% | 4.11% | 4.65% | +53 bps | |
| Efficiency Ratio | 73.19% | 73.11% | 73.56% | 76.12% | 78.40% | +522 bps | |
| Non-Interest Burden | 2.14% | 2.23% | 2.09% | 2.67% | 3.32% | +118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.57% | -8.56% | 14.93% | 14.34% | 11.69% | +2,826 bps | |
| Loan Growth (YoY) | -1.25% | 2.02% | 3.32% | 4.84% | 23.26% | +2,451 bps | |
| Deposit Growth (YoY) | -18.64% | -10.30% | 15.37% | 20.38% | 12.26% | +3,090 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.18% | 0.00% | 0.00% | 0.69% | 0.00% | -118 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.80% | 0.59% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.80% | 1.48% | 1.46% | 1.45% | 1.24% | -55 bps | |
| Allowance Coverage of NPLs | 1.5x | n/a | n/a | 2.1x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.11% | 10.06% | 8.77% | 8.85% | 9.11% | -99 bps | |
| Total Risk-Based Capital | 27.59% | 25.15% | 27.66% | 24.55% | 18.27% | -932 bps | |
| Equity / Assets | 11.05% | 11.08% | 9.92% | 10.31% | 10.45% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.10% | 41.26% | 36.17% | 37.51% | 44.03% | +393 bps | |
| Liquid Assets / Assets | 35.68% | 21.49% | 30.96% | 30.03% | 20.24% | -1,544 bps | |
| CRE / Total Capital | n/a | 234% | 236% | 228% | n/a | n/a | |