Bank Comparison
Western National Bank of Cass Lake vs Farmers State Bank of Emden
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 6
winning metrics across 16 scored rows
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Capital adequacy
| Metric | Western National Bank of Cass Lake | Farmers State Bank of Emden |
|---|---|---|
| CET1 Ratio | 17.37% | 57.40% |
| Tier 1 Capital Ratio | 17.37% | 57.40% |
| Total Capital Ratio | 18.27% | 57.97% |
| Tier 1 Leverage Ratio | 9.11% | 29.58% |
| Equity / Assets | 10.45% | 29.78% |
Profitability
| Metric | Western National Bank of Cass Lake | Farmers State Bank of Emden |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 0.90% |
| Return on Equity (ROE) | 11.48% | 3.07% |
| Net Interest Margin (NIM) | 5.79% | 3.50% |
| Yield on Earning Assets | 6.37% | 4.11% |
| Cost of Funds | 0.39% | 0.84% |
Asset quality
| Metric | Western National Bank of Cass Lake | Farmers State Bank of Emden |
|---|---|---|
| Texas Ratio | 0.00% | 0.48% |
| Non-Performing Loan Ratio | 0.00% | 0.43% |
| Non-Performing Asset Ratio | 0.00% | 0.14% |
| Net Charge-Off Ratio | 0.00% | 0.09% |
| ACL / Loans | 1.24% | 0.91% |
Balance sheet
| Metric | Western National Bank of Cass Lake | Farmers State Bank of Emden |
|---|---|---|
| Total Assets | $37.1M | $37.8M |
| Total Deposits | $33.0M | $26.4M |
| Total Loans | $14.5M | $12.5M |
| Total Equity | $3.9M | $11.2M |
| Net Income (quarter) | $111K | $86K |
Liquidity & funding
| Metric | Western National Bank of Cass Lake | Farmers State Bank of Emden |
|---|---|---|
| Loan-to-Deposit Ratio | 44.03% | 47.34% |
| Core Deposit Ratio | 85.19% | 93.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Western National Bank of Cass Lake | Farmers State Bank of Emden |
|---|---|---|
| Headquarters City | Cass Lake | Emden |
| Headquarters State | MN | IL |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 7 |
| Established | July 1, 1902 | May 25, 1891 |
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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