Western State Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western State Bank of Devils Lake, ND against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 2.34% | 1.32% | +1.02% | 94th best quarter |
| ROAE | 17.15% | 12.84% | +4.31% | 79th best quarter |
| Net Interest Margin | 5.41% | 3.80% | +1.61% | 97th best quarter |
| Efficiency Ratio | 45.01% | 57.50% | -12.49% | 15th best quarter |
| PPNR / Avg Assets | 3.25% | 1.78% | +1.47% | 96th best quarter |
| Yield on Earning Assets | 7.60% | 5.62% | +1.98% | 96th |
| Cost of Funds | 2.42% | 2.05% | +0.37% | 74th worse half |
| Net Interest Spread | 4.42% | 3.16% | +1.26% | 95th best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.86% | 0.54% | +0.32% | 68th worse half |
| NPA / Total Assets | 0.79% | 0.43% | +0.36% | 71st worse half |
| NCO / Avg Loans | 0.42% | 0.03% | +0.39% | 88th worst quarter |
| ACL / Total Loans | 1.74% | 1.14% | +0.60% | 93rd |
| ACL / NPLs (Coverage) | 202.50% | 206.61% | -4.11% | 49th worse half |
| Texas Ratio | 5.15% | 3.89% | +1.26% | 61st worse half |
| Provision / NCO | 91.64% | 145.20% | -53.56% | 34th |
| CRE / Total Capital | 143.75% | 224.99% | -81.24% | 21st best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 13.97% | 10.57% | +3.40% | 88th best quarter |
| Equity / Assets | 13.74% | 10.20% | +3.54% | 89th best quarter |
| TCE / Tangible Assets | 13.74% | 9.58% | +4.16% | 91st best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 111.01% | 88.09% | +22.92% | 96th |
| Core Deposit Ratio | 84.18% | 89.11% | -4.93% | 30th worse half |
| Uninsured Deposit Ratio | 21.97% | 31.09% | -9.12% | 20th best quarter |
| Borrowings / Total Assets | 1.81% | 4.05% | -2.24% | 27th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.47% | 4.80% | -0.33% | 48th |
| Loan Growth (Y/Y) | 5.30% | 6.01% | -0.71% | 45th |
| Deposit Growth (Y/Y) | 2.56% | 4.64% | -2.08% | 34th |
See Western State Bank's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, 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 State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Western State Bank peer analysis.