BlastPoint's Banking Scorecard
Western National Bank
Duluth, MN
3 branches across MN
Western National Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.2% in tier
- - NIB Deposit Bleed: Bottom 29.3% in tier
- - Credit Quality Pressure: Bottom 32.1% in tier
- - Return on Assets 1.43% below tier average
- - Nonperforming Asset Ratio 2.05% above tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.3M
+15.0% YoY
-0.0% QoQ
|
-$250.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.8% in tier |
| Total Loans ? |
$84.8M
+14.3% YoY
+0.9% QoQ
|
-$170.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.3% in tier |
| Total Deposits ? |
$108.0M
+13.2% YoY
+1.9% QoQ
|
-$220.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.8% in tier |
| Return on Assets ? |
-0.17%
-134.6% YoY
-128.2% QoQ
|
-1.43% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.8% in tier |
| Net Interest Margin ? |
3.78%
-9.0% YoY
-11.4% QoQ
|
-0.15% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
101.23%
+14.1% YoY
+18.8% QoQ
|
+35.95% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate ? |
0.23%
+6.1% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
78.55%
+1.0% YoY
-1.0% QoQ
|
+1.91% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
18.46%
-25.9% YoY
-10.0% QoQ
|
-3.56% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
2.69%
+67.6% YoY
+0.4% QoQ
|
+2.05% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.9% in tier |
| Tier 1 Capital Ratio ? |
12.63%
+28.9% YoY
-11.0% QoQ
|
-3.20% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.14%
-16.6% YoY
-77.8% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
69% |
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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 (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.