WESTERN STATE BANK
WESTERN STATE BANK is an FDIC-insured commercial bank headquartered in DEVILS LAKE, ND, established in 1902. As of , 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 5.09%. CET1 capital ratio: 13.70%, well above regulatory minimums. NPL ratio: 1.49% · Texas Ratio: 9.39%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Western State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.70% | 1.80% | 1.49% | 9.39% | 5.09% |
| 2025-09-30 | 13.28% | 2.13% | 1.29% | 8.37% | 5.37% |
| 2025-06-30 | 12.77% | 1.79% | 1.06% | 7.16% | 5.22% |
| 2025-03-31 | 12.76% | 1.44% | 1.13% | 7.63% | 4.89% |
| 2024-12-31 | 12.44% | 1.73% | 0.60% | 4.17% | 4.84% |
| 2024-09-30 | 12.21% | 1.52% | 0.72% | 5.04% | 4.61% |
| 2024-06-30 | 11.93% | 1.74% | 0.77% | 5.51% | 4.75% |
| 2024-03-31 | 12.00% | 1.51% | 0.67% | 5.08% | 4.57% |
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Frequently asked about WESTERN STATE BANK
What are Western State Bank's total assets?
As of the Q4 2025 filing, Western State Bank reported total assets of $2.56 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western State Bank headquartered?
Western State Bank is headquartered in DEVILS LAKE, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Western State Bank founded?
Western State Bank was established in 1902, per the FDIC institution directory.
Is Western State Bank FDIC-insured?
Yes. Western State Bank is an FDIC-insured commercial bank (FDIC Certificate #9123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western State Bank?
Western State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Western State Bank's CET1 capital ratio?
Western State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.70% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Western State Bank operate?
Western State Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Western State Bank's Texas Ratio?
Western State Bank's Texas Ratio is 9.39% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.