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 (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 | 1.52% | 1.73% | 1.44% | 1.79% | 2.13% | 1.80% | 1.98% | 2.02% | +23 bps | |
| Return on Equity | 13.44% | 15.17% | 12.61% | 15.45% | 17.57% | 14.64% | 16.16% | 15.64% | +19 bps | |
| Net Interest Margin | 4.46% | 4.69% | 4.74% | 5.06% | 5.19% | 4.99% | 5.06% | 5.28% | +22 bps | |
| Efficiency Ratio | 49.22% | 46.08% | 48.17% | 45.13% | 44.12% | 50.26% | 47.38% | 46.70% | +157 bps | |
| Non-Interest Burden | 1.91% | 1.82% | 2.05% | 2.10% | 2.01% | 2.31% | 2.15% | 2.24% | +14 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 | 0.56% | 1.07% | 0.38% | 0.27% | 0.34% | 0.39% | 0.25% | 0.30% | +3 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 | |