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Western National Bank
Cass Lake, MN · FDIC Certificate #5110 · Chartered 07/0
Total assets
$37.11M
Total deposits
$33.03M
Total equity
$3.88M
Net loans
$14.36M
Branches (offices)
1
Net income (YTD)
$249.00K
Rank: #4,113 of 4,213 U.S. banks by assets · #212 of 221 in Minnesota. Assets changed 11.7% and deposits 12.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 12.93% |
| Net interest margin (YTD) | 5.52% |
| Equity to assets | 10.45% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 46.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 43.5% |
| Real estate loans (share of loans) | 90.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.93M | 90.0% | |
| Commercial & industrial | $464.00K | 3.2% | |
| Consumer / individual | $1.15M | 8.0% | |
| Construction & development | $221.00K | 1.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $37.19M | $33.69M | $26.00K | $3.36M |
| Jun 2023 | $33.72M | $30.31M | $268.00K | $3.30M |
| Jun 2024 | $39.83M | $36.17M | $185.00K | $3.51M |
| Jun 2025 | $33.23M | $29.43M | $288.00K | $3.67M |
| Jun 2026 | $37.11M | $33.03M | $249.00K | $3.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $33.03M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $33.03M.
Similar-sized banks
State Bank Of Nauvoo ($37.72M) · State Bank Of Jeffers ($37.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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