Western National Bank
Duluth, MN · Cert 5131 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Western Bcorp Inc.
National charter · OCC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
$135.8MAssets
$93.7MLoans
$108.8MDeposits
$14.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: return on assets trails 95% of banks under $1B in assets operating in a single state (rank 705 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.11%
Rank 705 of 746
Net Interest Margin
3.50%
Rank 449 of 746
Efficiency Ratio
92.94%
Rank 701 of 746
Equity / Assets
10.56%
Rank 365 of 746
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.72% | 1.06% | 1.45% | Beats 5% | 705 / 746 | |
| Return on Equity | 1.02% | 6.74% | 10.51% | 13.63% | Beats 6% | 704 / 746 | |
| Net Interest Margin | 3.50% | 3.17% | 3.68% | 4.16% | Beats 40% | 449 / 746 | |
| Efficiency Ratio | 92.94% | 55.74% | 64.58% | 75.47% | Beats 6% | 701 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 430 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.55% | 13.75% | 17.60% | Beats 34% | 490 / 746 | |
| Total Risk-Based Capital Ratio | 13.22% | 11.71% | 14.33% | 18.43% | Beats 40% | 450 / 746 | |
| Equity / Assets | 10.56% | 8.90% | 10.51% | 13.06% | Beats 51% | 365 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 86.17% | 61.31% | 78.27% | 90.78% | 66th pctl | 251 / 746 | |
| Loans / Assets | 69.02% | 53.60% | 66.97% | 76.08% | 55th pctl | 334 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |