$2.59B
+5.9%y/y
Percentile by value90th percentileby value
FDIC
ASSETWS
Western State Bank
Devils Lake, North DakotaFDIC Cert #9123
STATEEstablished 190211 branches
Holding company: WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TRRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWestern State Bank reported $2.59B in total assets. Deposits grew 4.05% over the prior year.
Return on assets was 1.98%, compared with an asset-peer median of 1.16%. The leverage ratio was 12.70%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.21B
+4.0%y/y
Percentile by value91st percentileby value
FDIC
DEP$2.16B
+3.6%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET1.98%
+55 bpsy/y
Peer standing89th percentile
FDIC
NETINC + ROA47.38%
−79 bpsy/y
Peer standing87th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.70%
+77 bpsy/y
Peer standing81st percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.59B | $1.37B |
| Q3 2021 | $1.69B | $1.46B |
| Q4 2021 | $1.7B | $1.46B |
| Q1 2022 | $1.76B | $1.52B |
| Q2 2022 | $1.76B | $1.5B |
| Q3 2022 | $1.66B | $1.4B |
| Q4 2022 | $1.76B | $1.49B |
| Q1 2023 | $1.89B | $1.61B |
| Q2 2023 | $1.97B | $1.68B |
| Q3 2023 | $2.07B | $1.8B |
| Q4 2023 | $2.17B | $1.88B |
| Q1 2024 | $2.23B | $1.94B |
| Q2 2024 | $2.23B | $1.93B |
| Q3 2024 | $2.3B | $1.99B |
| Q4 2024 | $2.34B | $2.03B |
| Q1 2025 | $2.44B | $2.13B |
| Q2 2025 | $2.41B | $2.07B |
| Q3 2025 | $2.4B | $2.03B |
| Q4 2025 | $2.56B | $2.19B |
| Q1 2026 | $2.59B | $2.21B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $157M |
| Investor CRE | $256M |
| Multifamily | $150M |
| Construction | $156M |
| 1–4 family | $185M |
| C&I | $1.2B |
| Agriculture | $45.4M |
| Other | $50.5M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.98%89th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE16.16%80th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY5.18%96th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.38%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+4.05%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+3.63%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.85%31st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ12.70%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC160%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.98%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.90%Median 1.29%90th 1.96%Observations 61
ROE
FDIC
NETINC + ROE16.16%73rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.05%Median 13.85%90th 20.44%Observations 61
NIM
FDIC
NIM + NIMY5.18%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.73%90th 4.34%Observations 61
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.38%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.62%Median 62.77%90th 71.02%Observations 61
Deposits YoY
FDIC
DEP+4.05%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.30%Median +3.73%90th +11.82%Observations 61
Loans YoY
FDIC
LNLSNET+3.63%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.48%Median +3.63%90th +13.56%Observations 61
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.85%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.51%90th 2.04%Observations 61
Leverage
FDIC
RBC1AAJ12.70%87th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.01%Median 10.13%90th 13.04%Observations 61
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%2nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.36%90th 3.00%Observations 61
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC160%72nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 16%Median 60%90th 253%Observations 30
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.98%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.04%Median 1.27%90th 1.85%Observations 7
ROE
FDIC
NETINC + ROE16.16%67th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 11.13%Median 15.72%90th 18.81%Observations 7
NIM
FDIC
NIM + NIMY5.18%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 3.80%90th 4.51%Observations 7
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.38%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.18%Median 65.01%90th 65.84%Observations 7
Deposits YoY
FDIC
DEP+4.05%67th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.27%Median +3.74%90th +7.95%Observations 7
Loans YoY
FDIC
LNLSNET+3.63%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.97%Median +6.11%90th +10.11%Observations 7
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.85%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.40%Median 0.98%90th 1.73%Observations 7
Leverage
FDIC
RBC1AAJ12.70%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.93%Median 9.59%90th 11.55%Observations 7
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.85%90th 3.12%Observations 7
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC160%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 126%Median 182%90th 234%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
11 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data