Western State Bank
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
$2.5BAssets
$2.3BLoans
$2.1BDeposits
$332.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 95% of banks $1B-$10B in assets (rank 18 of 328).
- Widest gap: net charge-offs / loans trails 85% of banks $1B-$10B in assets (rank 276 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $55.7M · efficiency ratio beats 86% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |