WESTERN NATIONAL BANK

DULUTH, MN | Small | Est. Jan. 4, 1904, midnight | FDIC #5131 | RSSD #127055 | OCC
Latest Report: 2025-12-31

WESTERN NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in DULUTH, MN, established in Jan. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $135M and total deposits of $106M. Profitability stands at 0.21% ROA and 1.87% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 14.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 22.50%. FDIC Certificate #5131.

Assets

$135M

Deposits

$106M

Loans

$85M

Equity

$14M

Profitability

Return on Assets (ROA) 0.21%
Return on Equity (ROE) 1.87%
Net Interest Margin (NIM) 3.46%
Yield on Assets 5.67%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.07%
Texas Ratio 22.50%
NPA Ratio 2.54%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 14.19%
Tier 1 Capital 14.19%
Total Capital Ratio 15.18%
Leverage Ratio 9.26%
Loan-to-Deposit 80.12%

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