Bank Safety Analysis
Is Western National Bank of Cass Lake Safe? Cass Lake, Minnesota
Based on its Q2 2026 call report, Western National Bank of Cass Lake meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Western National Bank of Cass Lake safe?
On its Q2 2026 call report, Western National Bank of Cass Lake's CET1 ratio is 17.37%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 17.37%
- Tier 1 leverage ratio (Q2 2026): 9.11%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): 0.00%
Western National Bank of Cass Lake is an FDIC-insured commercial bank (FDIC Certificate #5110). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Western National Bank of Cass Lake (FDIC Certificate #5110) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Western National Bank of Cass Lake meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
The standout move of Q2 2026 was in CET1 ratio: 5.96 percentage points lower than in Q1 2026, at 17.37%. Within Minnesota, Western National Bank of Cass Lake is 41st of 162 on CET1 ratio, 17.37% as of Q2 2026. Western National Bank of Cass Lake reported 17.37% on CET1 ratio for Q2 2026, 2.59 points below the 19.96% median for banks in the < $100M asset tier. From Q3 2023 to Q2 2026, Western National Bank of Cass Lake's CET1 ratio ranged between 17.27% (Q4 2023) and 26.41% (Q4 2025) and its Texas ratio ranged between 0.00% (Q2 2026) and 10.65% (Q2 2024). Between Q2 2025 and Q2 2026, Western National Bank of Cass Lake's CET1 ratio fell from 26.34% to 17.37%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.18% to 0.00%, Texas ratio fell from 7.73% to 0.00% and return on assets fell from 1.36% to 1.14%.
By total assets at Q2 2026, Western National Bank of Cass Lake is the 212th largest of the 221 banks headquartered in Minnesota. Non-owner-occupied commercial real estate loans are its largest loan category, $5.0M of $14.5M in total loans on its June 30, 2026 call report. Against the 578 banks with under $100M in assets for Q2 2026, Western National Bank of Cass Lake's CET1 ratio of 17.37% is below the 19.96% median, Tier 1 leverage ratio of 9.11% is below the 12.62% median, nonperforming loans ratio of 0.00% is below the 0.44% median, Texas ratio of 0.00% is below the 2.09% median, and efficiency ratio of 80.70% is above the 69.61% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Western National Bank of Cass Lake score on capital, credit and costs?
Peer cohort: Under $100M (583 banks) · Industry averages as of Q2 2026.
Median of the 578 banks with under $100M in assets, Q2 2026: 19.96%.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 0.44%.
Median of the 578 banks with under $100M in assets, Q2 2026: 2.09%.
Median of the 578 banks with under $100M in assets, Q2 2026: 69.61%.
Does Western National Bank of Cass Lake trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 17.37% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 44.03% | Within range |
| Commercial real estate to capital supervisory threshold | 165.58% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 11 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 17.37% |
| Q1 2026 | 23.33% |
| Q4 2025 | 26.41% |
| Q3 2025 | 23.91% |
| Q2 2025 | 26.34% |
| Q4 2024 | 17.84% |
| Q3 2024 | 24.42% |
| Q2 2024 | 20.11% |
| Q1 2024 | 17.84% |
| Q4 2023 | 17.27% |
| Q3 2023 | 19.79% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 5.66% |
| Q4 2025 | 3.33% |
| Q3 2025 | 3.39% |
| Q2 2025 | 7.73% |
| Q1 2025 | 4.68% |
| Q4 2024 | 6.41% |
| Q3 2024 | 5.72% |
| Q2 2024 | 10.65% |
| Q1 2024 | 8.06% |
| Q4 2023 | 6.00% |
| Q3 2023 | 6.33% |
Loans by type, Q2 2026
- Non-owner-occupied commercial real estate loans: $5.0M
- Owner-occupied commercial real estate loans: $3.7M
- 1-4 family residential loans: $3.2M
- Other consumer loans: $832K
- Multifamily loans: $831K
- Commercial and industrial loans: $464K
- Auto loans: $313K
- Construction and land development loans: $221K
How have Western National Bank of Cass Lake's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $37.1M | 17.37% | 9.11% | 0.00% | 0.00% | 80.70% |
| Mar 31, 2026 | $37.4M | 23.33% | 8.85% | 0.69% | 5.66% | 76.12% |
| Dec 31, 2025 | $38.5M | 26.41% | 8.77% | 0.00% | 3.33% | 74.92% |
| Sep 30, 2025 | $33.8M | 23.91% | 10.06% | 0.00% | 3.39% | 72.96% |
| Jun 30, 2025 | $33.2M | 26.34% | 9.79% | 1.18% | 7.73% | 74.83% |
| Mar 31, 2025 | $32.7M | — | 9.55% | 0.00% | 4.68% | 71.62% |
| Dec 31, 2024 | $33.5M | 17.84% | 9.14% | 0.41% | 6.41% | 74.72% |
| Sep 30, 2024 | $37.0M | 24.42% | 8.47% | 0.07% | 5.72% | 77.08% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Western National Bank of Cass Lake FDIC insured?
Yes. Western National Bank of Cass Lake is an FDIC-insured commercial bank (FDIC Certificate #5110). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Western National Bank of Cass Lake well capitalized?
On its Q2 2026 call report, Western National Bank of Cass Lake's CET1 ratio is 17.37%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Western National Bank of Cass Lake's key safety ratios?
For Q2 2026, Western National Bank of Cass Lake reports CET1 17.37%, leverage 9.11%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 2.09% median for the 578 banks with under $100M in assets.
What happens to my deposits if Western National Bank of Cass Lake fails?
For Q2 2026, Western National Bank of Cass Lake reported $33.0M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Western National Bank of Cass Lake profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)
Explore: Full Western National Bank of Cass Lake profile · Other banks in MN · Metric glossary · How the call report works