WESTERN STATE BANK

DEVILS LAKE, ND | Large | Est. Oct. 1, 1902, midnight | FDIC #9123 | RSSD #233554 | FDIC
Latest Report: 2025-12-31

WESTERN STATE BANK is aln large FDIC-insured commercial bank headquartered in DEVILS LAKE, ND, established in Oct. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $2.6B and total deposits of $2.2B. Profitability stands at 1.80% ROA and 14.64% ROE, with a net interest margin of 5.46%. The bank's CET1 capital ratio is 13.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.48% and a Texas Ratio of 9.35%. FDIC Certificate #9123.

Assets

$2.6B

Deposits

$2.2B

Loans

$2.2B

Equity

$310M

Profitability

Return on Assets (ROA) 1.80%
Return on Equity (ROE) 14.64%
Net Interest Margin (NIM) 5.46%
Yield on Assets 7.99%
Cost of Funds 3.26%

Asset Quality

NPL Ratio 1.48%
Net Charge-Off Ratio 0.34%
Texas Ratio 9.35%
NPA Ratio 1.28%
ACL / Loans 1.80%

Capital & Liquidity

CET1 Ratio 13.70%
Tier 1 Capital 13.70%
Total Capital Ratio 14.95%
Leverage Ratio 12.44%
Loan-to-Deposit 100.65%

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