Western State Bank: Balance Sheet
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Data as of · Call Report Schedule RC How we update
Western State Bank reported all 25 line items on this page on its Q3 2026 filing. Total assets was $2.51B in Q3 2026, up 4.5% from $2.40B in Q3 2025. Across the 12 quarters shown it ranged from $2.17B (Q4 2023) to $2.59B (Q1 2026).
Other borrowed money climbed 755.2% in Q3 2026, from $5.3M to $45.3M. It was the largest change from Q2 2026 among the key lines here. Western State Bank ranks 7th of 60 North Dakota banks on total assets, in the upper half at $2.51B (Q3 2026). The median for banks in the $1B-10B asset tier is $2.01B on total assets. Western State Bank sits 25% higher, at $2.51B (Q3 2026).
Assets
Largest change in this table: loans held for sale, down 74.4% to $690K in Q3 2026 after $2.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total assets | $2.51B |
| Cash and balances due from depository institutions | $105.0M |
| Total securities | $67.9M |
| Fed funds sold and reverse repos | $0 |
| Net loans and leases | $2.27B |
| Loans held for sale | $690K |
| Trading account assets | $0 |
| Premises and fixed assets | $33.2M |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $949K |
| All other assets | $30.7M |
Source: Call Report Schedule RC: Total assets (item 12, RCON2170).
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Liabilities
| Line item | Q3 2026 |
|---|---|
| Total liabilities | $2.16B |
| Total deposits | $2.08B |
| Fed funds purchased and repos | $0 |
| Trading liabilities | $0 |
| Other borrowed money | $45.3M |
| Subordinated notes and debentures | $0 |
| All other liabilities | $36.9M |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
Equity capital
Retained earnings moved most in this table, up 4.7%: $293.9M in Q2 2026, $307.7M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total equity capital | $344.6M |
| Common stock | $900K |
| Common stock surplus | $38.4M |
| Retained earnings | $307.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Total liabilities and equity capital | $2.51B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Balance Sheet trend
Balance Sheet by quarter
| Quarter | Total assets | Total liabilities | Net loans and leases | Securities | Cash and balances due |
|---|---|---|---|---|---|
| Q4 2023 | $2.17B | $1.93B | $1.91B | $51.2M | $151.6M |
| Q1 2024 | $2.23B | $1.98B | $1.95B | $52.1M | $177.1M |
| Q2 2024 | $2.23B | $1.98B | $2.01B | $51.1M | $99.3M |
| Q3 2024 | $2.30B | $2.04B | $2.03B | $59.4M | $151.6M |
| Q4 2024 | $2.34B | $2.08B | $2.07B | $54.7M | $159.8M |
| Q1 2025 | $2.44B | $2.17B | $2.08B | $58.2M | $237.7M |
| Q2 2025 | $2.41B | $2.13B | $2.16B | $59.5M | $133.9M |
| Q3 2025 | $2.40B | $2.10B | $2.15B | $57.4M | $123.9M |
| Q4 2025 | $2.56B | $2.25B | $2.17B | $64.5M | $254.1M |
| Q1 2026 | $2.59B | $2.26B | $2.16B | $66.2M | $290.7M |
| Q2 2026 | $2.49B | $2.15B | $2.21B | $70.5M | $141.0M |
| Q3 2026 | $2.51B | $2.16B | $2.27B | $67.9M | $105.0M |
Western State Bank balance sheet, quarter by quarter
Balance Sheet since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Western State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 9123) · FFIEC NIC profile (RSSD 233554)