Bank Comparison
Nebraska State Bank vs Western National Bank of Cass Lake
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 10
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Nebraska State Bank | Western National Bank of Cass Lake |
|---|---|---|
| CET1 Ratio | — | 17.37% |
| Tier 1 Capital Ratio | — | 17.37% |
| Total Capital Ratio | — | 18.27% |
| Tier 1 Leverage Ratio | 13.42% | 9.11% |
| Equity / Assets | 9.63% | 10.45% |
Profitability
| Metric | Nebraska State Bank | Western National Bank of Cass Lake |
|---|---|---|
| Return on Assets (ROA) | -1.11% | 1.14% |
| Return on Equity (ROE) | -8.20% | 11.48% |
| Net Interest Margin (NIM) | 4.51% | 5.79% |
| Yield on Earning Assets | 6.04% | 6.37% |
| Cost of Funds | 1.25% | 0.39% |
Asset quality
| Metric | Nebraska State Bank | Western National Bank of Cass Lake |
|---|---|---|
| Texas Ratio | 11.30% | 0.00% |
| Non-Performing Loan Ratio | 2.26% | 0.00% |
| Non-Performing Asset Ratio | 1.16% | 0.00% |
| Net Charge-Off Ratio | 0.99% | 0.00% |
| ACL / Loans | 1.26% | 1.24% |
Balance sheet
| Metric | Nebraska State Bank | Western National Bank of Cass Lake |
|---|---|---|
| Total Assets | $36.6M | $37.1M |
| Total Deposits | $32.8M | $33.0M |
| Total Loans | $18.8M | $14.5M |
| Total Equity | $3.5M | $3.9M |
| Net Income (quarter) | ($73K) | $111K |
Liquidity & funding
| Metric | Nebraska State Bank | Western National Bank of Cass Lake |
|---|---|---|
| Loan-to-Deposit Ratio | 57.35% | 44.03% |
| Core Deposit Ratio | 95.45% | 85.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Nebraska State Bank | Western National Bank of Cass Lake |
|---|---|---|
| Headquarters City | Bristow | Cass Lake |
| Headquarters State | NE | MN |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 6 | 5 |
| Established | November 14, 1924 | July 1, 1902 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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