WESTERN NATIONAL BANK OF CASS LAKE

CASS LAKE, MN | Micro | Est. July 1, 1902, midnight | FDIC #5110 | RSSD #278751 | OCC
Latest Report: 2025-12-31

WESTERN NATIONAL BANK OF CASS LAKE is amn micro FDIC-insured commercial bank headquartered in CASS LAKE, MN, established in July 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $38M and total deposits of $34M. Profitability stands at 1.67% ROA and 15.96% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 26.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 3.00%. FDIC Certificate #5110.

Assets

$38M

Deposits

$34M

Loans

$12M

Equity

$4M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 15.96%
Net Interest Margin (NIM) 4.85%
Yield on Assets 5.48%
Cost of Funds 1.10%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.59%
Texas Ratio 3.00%
NPA Ratio 0.31%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 26.41%
Tier 1 Capital 26.41%
Total Capital Ratio 27.66%
Leverage Ratio 8.77%
Loan-to-Deposit 36.17%

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