Western National Bank of Cass Lake: 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 Cass Lake of Cass Lake, MN against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.14% | 3.14% | -2.00% | 56th above |
| ROAE | 11.48% | 10.42% | +1.06% | 66th above |
| Net Interest Margin | 5.79% | 3.93% | +1.86% | 96th top |
| Efficiency Ratio | 80.70% | 76.30% | +4.40% | 30th below |
| PPNR / Avg Assets | 1.14% | 1.40% | -0.26% | 46th below |
| Yield on Earning Assets | 6.37% | 5.35% | +1.02% | 86th top |
| Cost of Funds | 0.39% | 1.71% | -1.32% | 96th top |
| Net Interest Spread | 5.34% | 3.31% | +2.03% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.49% | -0.25% | 50th above |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.37% | 61.96% | -44.59% | 33rd below |
| Tier 1 Ratio | 17.37% | 61.96% | -44.59% | 33rd below |
| Total Capital Ratio | 18.27% | 62.93% | -44.66% | 33rd below |
| Leverage Ratio | 9.11% | 17.61% | -8.50% | 11th bottom |
| Equity / Assets | 10.45% | 16.43% | -5.98% | 30th below |
| TCE / Tangible Assets | 9.49% | 16.18% | -6.69% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.03% | 72.86% | -28.83% | 79th top |
| Core Deposit Ratio | 85.19% | 88.22% | -3.03% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.69% | 4.30% | +7.39% | 88th top |
| Loan Growth (Y/Y) | 23.26% | 6.71% | +16.55% | 92nd top |
| Deposit Growth (Y/Y) | 12.26% | 3.76% | +8.50% | 90th top |
See Western National Bank of Cass Lake's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western National Bank of Cass Lake, 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 of Cass Lake profile, how to read a UBPR, or how this data updates.