BlastPoint's Banking Scorecard
Western National Bank
Designations: ✓ Community bank
Cass Lake, MN
Western National Bank shows strong momentum with 6 strengths and 14.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.40% above tier average
- + Non-Interest Income / Assets 0.20% below tier average
- + ROA 0.62% above tier average
- + Net Interest Margin 0.97% above tier average
- + Efficiency Ratio 12.22% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.4M
+14.3% YoY
-2.9% QoQ
|
-$24.8M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$12.3M
+4.9% YoY
+0.4% QoQ
|
-$21.9M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.7% in tier |
| Total Deposits ? |
$33.4M
+20.4% YoY
-3.2% QoQ
|
-$18.4M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.46%
-30.0% YoY
-11.2% QoQ
|
+0.62% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.83%
+6.7% YoY
-3.0% QoQ
|
+0.97% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
76.12%
+6.3% YoY
+3.5% QoQ
|
-12.22% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? | 0.70% | -0.68% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
36.97%
-12.8% YoY
+3.7% QoQ
|
-27.24% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 15.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.11%
-0.8% YoY
-8.5% QoQ
|
+17.40% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Top 8.5% in tier |
| Nonperforming Asset Ratio ? |
0.55%
+12.6% YoY
+76.7% QoQ
|
-0.24% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
23.33%
+144.2% YoY
-11.7% QoQ
|
-3.36% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.47%
-45.7% YoY
-81.3% QoQ
|
-0.20% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 4.8% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.