Devils Lake, ND · Cert 9123 · Western St Agency Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 10 branches
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
22
Profitability
91
Liquidity
0
Efficiency
86
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.
Devils Lake, ND · Cert 9123 · Western St Agency Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.6% share · #14 of 55 inst. · $1.1B of $192.0B
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 | 1.59% | 1.63% | 1.44% | 1.62% | 1.79% | 1.79% | 1.98% | 2.01% | +39 bps | |
| Return on Equity | 14.28% | 14.51% | 12.61% | 14.05% | 15.24% | 15.08% | 16.16% | 15.90% | +185 bps | |
| Net Interest Margin | 4.41% | 4.39% | 4.74% | 4.82% | 4.98% | 4.82% | 5.06% | 5.18% | +36 bps | |
| Efficiency Ratio | 50.43% | 49.25% | 48.17% | 46.60% | 45.73% | 46.90% | 47.38% | 47.03% | +44 bps | |
| Non-Interest Burden | 1.98% | 1.90% | 2.05% | 2.04% | 2.05% | 2.05% | 2.15% | 2.20% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.99% | 8.26% | 9.71% | 8.22% | 4.33% | 9.13% | 5.86% | 3.02% | -521 bps | |
| Loan Growth (YoY) | 10.55% | 8.15% | 7.03% | 7.15% | 6.21% | 4.96% | 3.70% | 2.61% | -454 bps | |
| Deposit Growth (YoY) | 10.59% | 8.19% | 9.53% | 6.81% | 1.98% | 7.87% | 4.05% | 2.16% | -465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 1.19% | 1.06% | 1.03% | 1.30% | 1.50% | 0.85% | 0.90% | -13 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.52% | 0.38% | 0.32% | 0.33% | 0.34% | 0.25% | 0.27% | -5 bps | |
| Allowance / Loans | 1.68% | 1.65% | 1.75% | 1.76% | 1.77% | 1.80% | 1.81% | 1.80% | +4 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.4x | 1.6x | 1.7x | 1.4x | 1.2x | 2.1x | 2.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 11.69% | 11.93% | 11.90% | 12.56% | 12.44% | 12.70% | 13.19% | +129 bps | |
| Total Risk-Based Capital | 13.46% | 13.69% | 14.01% | 14.02% | 14.53% | 14.95% | 15.54% | 13.19% | -84 bps | |
| Equity / Assets | 11.33% | 11.46% | 11.33% | 11.84% | 12.45% | 12.11% | 12.43% | 13.36% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.83% | 103.43% | 99.69% | 106.28% | 108.13% | 100.65% | 99.35% | 106.75% | +47 bps | |
| Liquid Assets / Assets | 5.63% | 5.78% | 8.74% | 4.65% | 4.16% | 9.16% | 10.26% | 4.90% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 241% | 229% | 223% | n/a | n/a | |
Devils Lake, ND · Cert 9123 · Peer group: banks $1B-$10B in assets (n=322-328) · Western St Agency Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
2.05%
Rank 18 of 328
Net Interest Margin
5.18%
Rank 15 of 328
Efficiency Ratio
47.04%
Rank 47 of 328
Equity / Assets
13.36%
Rank 45 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.05% | 0.91% | 1.22% | 1.52% | Beats 95% | 18 / 328 | ||
| Return on Equity | 15.37% | 8.43% | 11.45% | 14.43% | Beats 83% | 56 / 328 | ||
| Net Interest Margin | 5.18% | 3.03% | 3.45% | 3.83% | Beats 95% | 15 / 328 | ||
| Efficiency Ratio | 47.04% | 51.61% | 59.56% | 67.53% | Beats 86% | 47 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.24% | 0.51% | 1.03% | Beats 28% | 232 / 322 | ||
| Net Charge-Offs / Loans | 0.21% | 0.01% | 0.03% | 0.10% | Beats 15% | 276 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.19% | 11.75% | 13.15% | 15.47% | Beats 51% | 161 / 328 | ||
| Total Risk-Based Capital Ratio | 13.19% | 12.63% | 14.15% | 16.46% | Beats 34% | 216 / 328 | ||
| Equity / Assets | 13.36% | 9.15% | 10.33% | 12.01% | Beats 86% | 45 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.75% | 76.63% | 87.92% | 95.36% | 93rd pctl | 21 / 323 | ||
| Loans / Assets | 90.62% | 65.18% | 74.15% | 79.98% | 98th pctl | 7 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||