Western National Bank of Cass Lake: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 17.37% was down 596bps from the prior quarter. Asset quality shifted last quarter, NPLs fell to 0.00% from 0.69% in the prior period. Western National Bank of Cass Lake is the primary bank subsidiary of its parent holding company, headquartered in Cass Lake, MN. Total assets stand at $37M. Earnings are mid-range, 1.14% ROA and a 5.79% net interest margin. Regulatory capital is solid, 17.37% CET1 and 18.27% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.00%. The bank operates from a single office.
As of June 30, 2026, Western National Bank of Cass Lake reported a CET1 capital ratio of 17.37%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 210 2nd St Nw, Cass Lake, MN 56633
- County
- Cass
- Metro Area
- Brainerd, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1902
- Former names
- Western National Bank (2006)
- Offices
- 1 domestic
- Employees (FTE)
- 5
- Domestic deposits
- $33.0M
- Allowance for credit losses
- $181K
- Net charge-offs (YTD)
- $0
- Average total assets
- $38.8M
- Average total loans
- $13.9M
- Average interest-bearing deposits
- $35.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5110
- Fed RSSD
- 278751
- Website
- www.wbcasslake.com →
- Parent Holding Company
- CASS LAKE COMPANY (RSSD 1123009)
- Ultimate Parent
- WESTERN BANCORPORATION, INC. (RSSD 3271267)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Western National Bank of Cass Lake terminal
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.37% | 1.14% | 0.00% | 0.00% | 5.79% |
| Q1 2026 | 23.33% | 1.39% | 0.69% | 5.66% | 4.62% |
| Q4 2025 | 26.41% | 1.55% | 0.00% | 3.33% | 4.73% |
| Q3 2025 | 23.91% | 1.48% | 0.00% | 3.39% | 5.58% |
| Q2 2025 | 26.34% | 1.36% | 0.63% | 7.73% | 4.68% |
| Q1 2025 | — | 2.00% | 0.00% | 4.68% | 4.32% |
| Q4 2024 | 17.84% | 1.54% | 0.00% | 6.41% | 4.54% |
| Q3 2024 | 24.42% | 1.47% | 0.05% | 5.72% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Western National Bank | Cass Lake , MN | 56633 | $33.0M |
Regulatory record
What the public regulatory sources show for Western National Bank of Cass Lake, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 7 against individuals associated with it
- July 13, 2010, OCC: Formal Agreement: Western National Bank
- October 5, 2000, OCC: Formal Agreement: First National Bank of Cass Lake, The
- February 2, 2000, OCC: Formal Agreement: First National Bank of Cass Lake, The
- Period: Most recent institution action July 13, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 262 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Western National Bank of Cass Lake
What are Western National Bank of Cass Lake's total assets?
As of the Q2 2026 filing, Western National Bank of Cass Lake reported total assets of $37.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western National Bank of Cass Lake headquartered?
Western National Bank of Cass Lake is headquartered in Cass Lake, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Western National Bank of Cass Lake founded?
Western National Bank of Cass Lake was established in 1902, per the FDIC institution directory.
Is Western National Bank of Cass Lake FDIC-insured?
Yes. Western National Bank of Cass Lake is an FDIC-insured commercial bank (FDIC Certificate #5110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western National Bank of Cass Lake?
Western National Bank of Cass Lake's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Western National Bank of Cass Lake's CET1 capital ratio?
Western National Bank of Cass Lake reported a Common Equity Tier 1 (CET1) capital ratio of 17.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Western National Bank of Cass Lake operate?
Western National Bank of Cass Lake operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western National Bank of Cass Lake's Texas Ratio?
Western National Bank of Cass Lake's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Western National Bank of Cass Lake previously called?
The charter now named Western National Bank of Cass Lake has also operated as Western National Bank (2006), per FDIC structure-change records.
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