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BDI
WS

Western State Bank

Devils Lake, North DakotaFDIC Cert #9123

STATEEstablished 190211 branches

Holding company: WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TRRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.55%
+45.9%y/y
Peer standing34th percentile
Peer standing in asset:1b_3b
FDICP3ASSET + LNLSGR
90+ %
0.02%
−8.2%y/y
Peer standing29th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.83%
−20.3%y/y
Peer standing29th percentile
Peer standing in asset:1b_3b
FDICNAASSET + LNLSGR
Noncurrent %
0.85%
−20.2%y/y
Peer standing31st percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.72%
−21.8%y/y
Peer standing29th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$18.7M
−17.2%y/y
Peer standing16th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.25%
−35.2%y/y
Peer standing13th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + LNLSGR
NCO
$1.37M
−31.5%y/y
Peer standing7th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.81%
+3.5%y/y
Percentile by value93rd percentileby value
Peer standing in asset:1b_3b
FDICLNATRES + LNLSGR
30–89
$12.1M
+51.3%y/y
Peer standing16th percentile
Peer standing in asset:1b_3b
FDICP3ASSET
90+
$333K
−4.9%y/y
Peer standing24th percentile
Peer standing in asset:1b_3b
FDICP9ASSET
Nonaccrual
$18.4M
−17.4%y/y
Peer standing12th percentile
Peer standing in asset:1b_3b
FDICNAASSET