Bank call report · Cass Lake, MN
Western National Bank of Cass Lake Call Report
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Western National Bank of Cass Lake filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 247 reported line items, schedule by schedule (792 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 278751 |
| FDIC certificate number | 5110 |
| Total assets | $37.1M |
Official Q2 2026 call report PDF (FFIEC) →
Western National Bank of Cass Lake call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Western National Bank of Cass Lake balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $37.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $37.1M |
| Total Liabilities and Minority Interest | RCON2948 | $33.2M |
| Total Deposits | RCON2200 | $33.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $18.3M |
| Deposits: Noninterest-bearing | RCON6631 | $14.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $14.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $14.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $8.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $6.5M |
| Held-to-maturity Securities, Total | RCON1754 | $6.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.4M |
| Total Equity Capital | RCON3210 | $3.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $3.9M |
| Surplus | RCON3839 | $2.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $1.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.2M |
| Interest-bearing Balances | RCON0071 | $1.1M |
| Other Assets | RCON2160 | $794K |
| Goodwill | RCON3163 | $393K |
| Intangible Assets | RCON2143 | $393K |
| Other Liabilities, Total | RCON2930 | $200K |
| Allowance for Loan and Lease Losses | RCON3123 | $181K |
| Common Stock | RCON3230 | $70K |
| Accumulated Other Comprehensive Income | RCONB530 | -$17K |
Schedule RI: Income Statement (31 items)
About Schedule RI · Western National Bank of Cass Lake income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $992K |
| Total Noninterest Expense | RIAD4093 | $904K |
| Net Interest Income | RIAD4074 | $893K |
| Salaries and Employee Benefits | RIAD4135 | $520K |
| Interest and Fee Income on Loans, Total | RIAD4010 | $496K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $303K |
| Other Noninterest Expense | RIAD4092 | $298K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $294K |
| Total Noninterest Income | RIAD4079 | $260K |
| Other Noninterest Income | RIADB497 | $258K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $249K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $249K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $249K |
| Net Income (Loss) | RIAD4340 | $249K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $249K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $123K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $109K |
| Total Interest Expense | RIAD4073 | $99K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $86K |
| Other Interest Income | RIAD4518 | $80K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $56K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $53K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $32K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $23K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $16K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$14K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $11K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $4K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 5 |
Schedule RC-B: Securities (13 items)
About Schedule RC-B · Western National Bank of Cass Lake securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Securities | RCON0416 | $13.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $8.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $8.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $8.5M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $6.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $6.5M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $6.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $979K |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Western National Bank of Cass Lake loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $14.5M |
| Pledged Loans and Leases | RCONG378 | $7.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $5.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $4.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $4.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $2.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $2.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $832K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $831K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $809K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $572K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $512K |
| Commercial and Industrial Loans | RCON1766 | $464K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $418K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $313K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $223K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $215K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $211K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $190K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $171K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $19K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10K |
| Other Loans | RCONJ464 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $5.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $370K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $111K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $93K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $54K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 16 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 4 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 3 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 3 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 1 |
Schedule RC-E: Deposit Liabilities (27 items)
About Schedule RC-E · Western National Bank of Cass Lake deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $20.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $14.8M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $12.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $12.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $7.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $6.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $6.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $5.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $3.3M |
| Total Brokered Deposits | RCON2365 | $3.3M |
| Total reciprocal deposits | RCONJH83 | $3.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $2.8M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $2.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $2.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $2.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $1.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $1.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $1.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $1.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $873K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $862K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $259K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $250K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $127K |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $126K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $395K |
| Accrued Interest Receivable | RCONB556 | $301K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $281K |
| Prepaid Expenses | RCON2166 | $114K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $98K |
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Western National Bank of Cass Lake quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $38.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $24.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $15.0M |
| Quarterly Average of Total Loans | RCON3360 | $13.9M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $9.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $6.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $4.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $3.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $3.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $463K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $261K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Western National Bank of Cass Lake derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $4.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $953K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $157K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $46K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $44K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Western National Bank of Cass Lake memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $147K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (4 items)
About Schedule RC-N · Western National Bank of Cass Lake past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $76K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $50K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $26K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Western National Bank of Cass Lake other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $38.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $33.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $21.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $11.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $3.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $126K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 900 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 23 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 6 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Western National Bank of Cass Lake regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $20.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Western National Bank of Cass Lake regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $38.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $38.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $20.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $3.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $3.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $3.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $3.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $3.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $2.5M |
| Retained Earnings | RCOAKW00 | $1.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $393K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $393K |
| General Loan and Lease Valuation Allowances | RCOA5310 | $181K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $181K |
| Tier 2 Capital Before Deductions | RCOAP870 | $181K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$17K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$17K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1827 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1737 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1737 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1027 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0911 |
Schedule RC-R, Part II: Risk-Weighted Assets (43 items)
About Schedule RC-R, Part II · Western National Bank of Cass Lake risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $20.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $20.4M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $20.2M |
| Total Risk-weighted Assets | RCONG641 | $20.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $18.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $18.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $13.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $11.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $11.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $8.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $8.5M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $6.5M |
| Total Held-to-maturity Securities | RCOND961 | $6.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $5.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $5.3M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $4.9M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $4.9M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $4.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $3.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $2.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $2.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $2.9M |
| Total All Other Assets | RCOND981 | $2.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $1.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $1.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $1.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $393K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $240K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $240K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $215K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $195K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $121K |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $121K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $98K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $74K |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONH178 | $28K |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $24K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $23K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$17K |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $4K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $1K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $1K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $1K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $3.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $3.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $3.8M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $130K |
| Other Comprehensive Income | RIADB511 | -$59K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Western National Bank of Cass Lake changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $181K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $181K |
Western National Bank of Cass Lake call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Western National Bank of Cass Lake call report?
The Western National Bank of Cass Lake call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Western National Bank of Cass Lake file?
Western National Bank of Cass Lake files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Western National Bank of Cass Lake call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Western National Bank of Cass Lake has Federal Reserve RSSD ID 278751 and FDIC certificate number 5110. Either one finds its filings on the FFIEC Central Data Repository.
How often does Western National Bank of Cass Lake file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Western National Bank of Cass Lake financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)