Western State Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Western State Bank reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 13.97% in Q3 2026, up 1.41 percentage points from 12.56% in Q3 2025. Across the 12 quarters shown it ranged from 11.18% (Q4 2023) to 13.97% (Q3 2026).
The standout move of Q3 2026 was in Loan-to-deposit ratio: 4.26 percentage points higher than in Q2 2026, at 111.01%. Among 60 North Dakota banks, Western State Bank sits 3rd from the top on return on assets, 2.34% as of Q3 2026. Against a median of 1.30% for banks in the $1B-10B asset tier, Western State Bank reported 2.34% on return on assets in Q3 2026, 1.04 points higher.
Capital adequacy
Largest change in this table: tier 1 leverage ratio, up 0.78 points to 13.97% in Q3 2026 after 13.19% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 13.97% |
| Equity capital to assets | 13.74% |
| Tangible equity to tangible assets | 13.74% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: reserve coverage of nonperforming loans, up 3.74 points to 202.50% in Q3 2026 after 198.76% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.86% |
| Nonperforming assets ratio | 0.79% |
| Net charge-off ratio | 0.42% |
| Texas ratio | 5.15% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of nonperforming loans | 202.50% |
Earnings
Return on assets changed the most here, up 0.32 points to 2.34% in Q3 2026 from 2.02% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.34% |
| Return on equity | 17.15% |
| Net interest margin | 5.41% |
| Efficiency ratio | 45.01% |
| Yield on earning assets | 7.60% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 111.01% |
| Core deposits to total deposits | 84.18% |
| Brokered deposits to total deposits | 3.11% |
| Deposits to assets | 82.98% |
| Securities to assets | 2.71% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.71% | 11.71% | 12.96% | 11.18% | 1.70% |
| Q1 2024 | 12.00% | 12.00% | 13.26% | 11.43% | 1.53% |
| Q2 2024 | 11.93% | 11.93% | 13.18% | 11.46% | 1.76% |
| Q3 2024 | 12.21% | 12.21% | 13.46% | 11.64% | 1.53% |
| Q4 2024 | 12.44% | 12.44% | 13.69% | 11.69% | 1.73% |
| Q1 2025 | 12.76% | 12.76% | 14.01% | 11.93% | 1.47% |
| Q2 2025 | 12.77% | 12.77% | 14.02% | 11.90% | 1.80% |
| Q3 2025 | 13.28% | 13.28% | 14.53% | 12.56% | 2.15% |
| Q4 2025 | 13.70% | 13.70% | 14.95% | 12.44% | 1.78% |
| Q1 2026 | 14.28% | 14.28% | 15.54% | 12.70% | 2.01% |
| Q2 2026 | — | — | — | 13.19% | 2.02% |
| Q3 2026 | — | — | — | 13.97% | 2.34% |
Western State Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)