Western National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western National Bank of Duluth, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.43% | 1.34% | -0.91% | 11th bottom |
| ROAE | 4.16% | 13.32% | -9.16% | 12th bottom |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 85.27% | 61.14% | +24.13% | 9th bottom |
| PPNR / Avg Assets | 0.61% | 1.68% | -1.07% | 10th bottom |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 2.06% | 1.88% | +0.18% | 34th below |
| Net Interest Spread | 3.60% | 3.32% | +0.28% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 2.68% | 0.70% | +1.98% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 20th bottom |
| Texas Ratio | 29.60% | 7.33% | +22.27% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 588.24% | 1395.65% | -807.41% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.27% | 19.50% | -7.23% | 20th bottom |
| Tier 1 Ratio | 12.27% | 19.54% | -7.27% | 20th bottom |
| Total Capital Ratio | 13.22% | 20.62% | -7.40% | 19th bottom |
| Leverage Ratio | 8.52% | 12.14% | -3.62% | 7th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.56% | 11.37% | -0.81% | 54th above |
| TCE / Tangible Assets | 8.60% | 11.09% | -2.49% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.17% | 80.64% | +5.53% | 37th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.72% | 86.86% | +0.86% | 42nd below |
| Wholesale Funding Ratio | 8.10% | 5.03% | +3.07% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.73% | 6.85% | +1.88% | 78th top |
| Loan Growth (Y/Y) | 18.18% | 7.90% | +10.28% | 91st top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.96% | 6.29% | -1.33% | 57th above |
See Western National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Western National Bank profile, how to read a UBPR, or how this data updates.