$2.2B
+3.7%y/y
Percentile by value97th percentileby value
FDIC
LNLSGRWS
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 + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$2.16B
+3.6%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET+3.63%
−47.8%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET97.6%
−0.4%y/y
Percentile by value82nd percentileby value
FDIC
LNLSNET + DEP83.5%
−2.1%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET + ASSET42.67%
−4.9%y/y
Percentile by value4th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
160%
−15.4%y/y
Percentile by value25th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC44%
−11.3%y/y
Percentile by value49th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,331points
+4.7%y/y
Peer standing14th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.15%
+13.0%y/y
Percentile by value20th percentileby value
FDIC
LNRENROW + LNLSGR11.65%
−5.6%y/y
Percentile by value23rd percentileby value
FDIC
LNRENROT + LNLSGR54.54%
+3.4%y/y
Percentile by value99th percentileby value
FDIC
LNCI + LNLSGR