Cass Lake, MN · Cert 5110 · Western Bcorp Inc.
National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.20% | 1.64% | 1.11% | 1.16% | 1.32% | 1.14% | 0.94% | -17 bps | |
| Return on Equity | 12.27% | 12.00% | 15.25% | 9.99% | 10.50% | 12.59% | 11.31% | 9.02% | -97 bps | |
| Net Interest Margin | 2.67% | 3.94% | 3.96% | 4.25% | 4.57% | 4.18% | 4.11% | 5.10% | +85 bps | |
| Efficiency Ratio | 77.08% | 74.72% | 71.62% | 74.83% | 72.96% | 74.92% | 76.12% | 80.70% | +587 bps | |
| Non-Interest Burden | 1.18% | 2.36% | 1.84% | 2.43% | 2.51% | 2.59% | 2.67% | 3.90% | +148 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% | -0.03% | 2.44% | 0.00% | 0.00% | 0.00% | +3 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 | |