Western State Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Western State Bank reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $2.08B in Q3 2026, up 2.6% from $2.03B in Q3 2025. That is 83.0% of its total assets. Across the 12 quarters shown it ranged from $1.88B (Q4 2023) to $2.21B (Q1 2026).
Loans and leases to core deposits climbed 4.72 percentage points in Q3 2026, from 122.47% to 127.19%. It was the largest change from Q2 2026 among the key lines here. Within North Dakota, Western State Bank is 7th of 60 on total deposits, $2.08B as of Q3 2026. The median for banks in the $1B-10B asset tier is $1.68B on total deposits. Western State Bank sits 24% higher, at $2.08B (Q3 2026).
Deposit totals
Largest change in this table: deposits to total assets, down 1.91 points to 82.98% in Q3 2026 after 84.89% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $2.08B |
| Domestic office deposits | $2.08B |
| Foreign office deposits | — |
| Deposits to total assets | 82.98% |
| Deposits to total liabilities | 96.20% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Largest change in this table: noninterest-bearing share of deposits, down 0.98 points to 19.32% in Q3 2026 after 20.30% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $402.0M |
| Savings deposits | $0 |
| Transaction accounts to domestic deposits | 32.86% |
| Time deposits to total deposits | 41.50% |
| Time deposits under $100k | $277.8M |
| Time deposits $100k to $250k | $320.9M |
| Time deposits over $250k | $264.6M |
| Noninterest-bearing share of deposits | 19.32% |
Stability of funding
Largest change in this table: brokered deposits, down 13.3% to $64.6M in Q3 2026 after $74.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $1.75B |
| Core deposits to total deposits | 84.18% |
| Insured deposits | $1.63B |
| Uninsured deposits | $457.2M |
| Uninsured deposits to total deposits | 21.97% |
| Brokered deposits | $64.6M |
| Brokered deposits to total deposits | 3.11% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.20% |
| Interest expense on deposits | $13.4M |
| Loans and leases to core deposits | 127.19% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $1.88B | 87.61% | 22.13% | 6.60% | 3.14% |
| Q1 2024 | $1.94B | 87.67% | 21.90% | 6.39% | 3.19% |
| Q2 2024 | $1.93B | 86.74% | 20.45% | 6.42% | 3.33% |
| Q3 2024 | $1.99B | 85.51% | 20.56% | 6.24% | 3.43% |
| Q4 2024 | $2.03B | 85.43% | 21.04% | 5.79% | 3.30% |
| Q1 2025 | $2.13B | 84.71% | 21.76% | 7.03% | 2.95% |
| Q2 2025 | $2.07B | 84.93% | 22.30% | 5.84% | 2.91% |
| Q3 2025 | $2.03B | 83.92% | 20.65% | 5.77% | 3.02% |
| Q4 2025 | $2.19B | 84.42% | 21.75% | 4.77% | 3.34% |
| Q1 2026 | $2.21B | 84.39% | 23.28% | 4.05% | 3.19% |
| Q2 2026 | $2.11B | 83.63% | 22.11% | 3.53% | 3.15% |
| Q3 2026 | $2.08B | 84.18% | 21.97% | 3.11% | 3.20% |
Western State Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)