Western National Bank of Cass Lake: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.52 percentage points higher than in Q1 2026, at 44.03%. Within Minnesota, Western National Bank of Cass Lake is 149th of 221 on return on assets, 1.14% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Western National Bank of Cass Lake sits 0.16 points higher, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.37% |
| Tier 1 risk-based capital ratio | 17.37% |
| Total risk-based capital ratio | 18.27% |
| Tier 1 leverage ratio | 9.11% |
| Equity capital to assets | 10.45% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 11.48% |
| Net interest margin | 5.79% |
| Efficiency ratio | 80.70% |
| Yield on earning assets | 6.37% |
| Cost of funds | 0.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.03% |
| Core deposits to total deposits | 85.19% |
| Brokered deposits to total deposits | 10.11% |
| Deposits to assets | 89.01% |
| Securities to assets | 40.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.79% | 19.79% | 20.94% | 9.03% | 0.91% |
| Q4 2023 | 17.27% | 17.27% | 18.32% | 8.66% | 0.39% |
| Q1 2024 | 17.84% | 17.84% | 18.91% | 8.12% | 0.44% |
| Q2 2024 | 20.11% | 20.11% | 21.26% | 8.82% | 1.59% |
| Q3 2024 | 24.42% | 24.42% | 25.67% | 8.47% | 1.47% |
| Q4 2024 | 17.84% | 17.84% | 18.87% | 9.14% | 1.54% |
| Q1 2025 | — | — | — | 9.55% | 2.00% |
| Q2 2025 | 26.34% | 26.34% | 27.59% | 9.79% | 1.36% |
| Q3 2025 | 23.91% | 23.91% | 25.15% | 10.06% | 1.48% |
| Q4 2025 | 26.41% | 26.41% | 27.66% | 8.77% | 1.55% |
| Q1 2026 | 23.33% | 23.33% | 24.55% | 8.85% | 1.39% |
| Q2 2026 | 17.37% | 17.37% | 18.27% | 9.11% | 1.14% |
Western National Bank of Cass Lake vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank of Cass Lake, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Western National Bank of Cass Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5110) · FFIEC NIC profile (RSSD 278751)