BlastPoint's Banking Scorecard

Western National Bank

under $100M Specialty: Commercial MN FDIC cert 5110

Designations: ✓ Community bank

Cass Lake, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
Deposits +12.3% year over year ($33.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.32%.
Efficiency ratio 78.40% vs a 119.40% peer average.
Loan-to-deposit ratio 43.48% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 52 in MN

View under $100M leaderboard (MN) →

Western National Bank shows strong momentum with 7 strengths and 11.7% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.60% above tier average
+ Delinquency Rate 1.48% below tier average
+ Non-Interest-Bearing Deposit Share 21.16% above tier average
+ Nonperforming Asset Ratio 0.84% below tier average
+ Non-Interest Income / Assets 0.68% below tier average
+ ROA 0.32% above tier average
+ Efficiency Ratio 40.99% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Western National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$37.1M +11.7% YoY -0.7% QoQ	-$25.3M	$62.4M -0.0% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$14.4M +23.9% YoY +16.4% QoQ	-$20.5M	$34.9M -0.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$33.0M +12.3% YoY -1.0% QoQ	-$18.6M	$51.6M -0.2% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	1.32% -23.9% YoY -9.1% QoQ	+0.32%	1.00% +3.5% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	5.52% +14.2% YoY +14.3% QoQ	+1.60%	3.91% +2.3% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Top 5.0% in tier
Efficiency Ratio ?	78.40% +7.1% YoY +3.0% QoQ	-40.99%	119.40% +49.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-1.48%	1.48% +31.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	43.48% +10.4% YoY +17.6% QoQ	-30.73%	74.21% +12.6% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	44.65% +10.0% YoY +8.6% QoQ	+21.16%	23.49% +0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Top 5.0% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.84%	0.84% +23.0% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.37% -34.1% YoY -25.5% QoQ	-9.76%	27.13% +3.0% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.70% -54.9% YoY +49.7% QoQ	-0.68%	1.38% +6.3% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Top 6.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	44.7% +4.1pp YoY +3.5pp QoQ	+20.0pp	24.6%	21.9%	22.2%	94%
Brokered Deposits	10.1% -10.4pp YoY -2.1pp QoQ	+0.3pp	9.8%	8.3%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	3.2% +1.6pp YoY -0.6pp QoQ	-10.2pp	13.4%	14.6%	12.5%	11%
CRE	68.0% +3.8pp YoY +3.8pp QoQ	+42.8pp	25.2%	36.5%	41.4%	96%
1-4 Family	22.0% -8.5pp YoY -2.9pp QoQ	-13.0pp	35.0%	29.4%	31.3%	40%
Consumer	8.0% +2.6pp YoY -0.5pp QoQ	+0.3pp	7.7%	4.5%	5.0%	68%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	17.4% -9.0pp YoY -6.0pp QoQ	-21.3pp	38.7%	16.5%	19.7%	34%
Leverage Ratio	9.1% -0.7pp YoY +0.3pp QoQ	-8.6pp	17.7%	11.0%	12.6%	10%
Total Capital Ratio	18.3% -9.3pp YoY -6.3pp QoQ	-21.4pp	39.7%	17.6%	20.8%	34%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	5 -1 (-16.7%) YoY 0 QoQ	-7	12	55	482	7%
Assets per Employee ($)	$7.4M +34.0% YoY -0.7% QoQ	+$1.2M	$6.2M	$8.6M	$8.8M	72%
Branch Count	1 0 YoY 0 QoQ	-1	1	4	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	1.7%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	6.41x	20.41x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	12.9% -3.1pp YoY -1.5pp QoQ	+6.5pp	6.4%	13.1%	11.6%	76%
Cost of Funds (YTD)	0.6% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.4%	1.7%	1.7%	10%
Net Income ($, YTD)	$249,000 -13.5% YoY — QoQ	-$69K	$317,817	$4.5M	$40.4M	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.48%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.84%

#1 of 536 Top 0.1% in under $100M

Net Interest Margin

profitability

Value: 5.52%

Peer Median: 3.91%

#28 of 536 Top 5.0% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 44.65%

Peer Median: 23.49%

#28 of 536 Top 5.0% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.70%

Peer Median: 1.38%

#35 of 536 Top 6.3% in under $100M

114

Loan-to-Deposit Ratio

liquidity

Value: 43.48%

Peer Median: 74.21%

#114 of 536 Top 21.1% in under $100M

Top Weaknesses (3 metrics)

443

Total Loans

size

Value: $14.36M

Peer Median: $34.89M

#443 of 536 Bottom 17.5% in under $100M

441

Total Assets

size

Value: $37.11M

Peer Median: $62.44M

#441 of 536 Bottom 17.9% in under $100M

418

Total Deposits

size

Value: $33.03M

Peer Median: $51.62M

#418 of 536 Bottom 22.2% in under $100M