BlastPoint's Banking Scorecard
Western National Bank
Duluth, MN
3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +5.0% year over year ($108.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.14%.
- Efficiency ratio 92.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Western National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.1% in tier
- - Return on Assets 1.19% below tier average
- - Nonperforming Asset Ratio 2.01% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.8M
+8.7% YoY
+0.4% QoQ
|
-$250.8M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.8% in tier |
| Total Loans ? |
$92.8M
+18.2% YoY
+9.4% QoQ
|
-$165.5M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$108.8M
+5.0% YoY
+0.7% QoQ
|
-$218.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.2% in tier |
| Return on Assets ? |
0.14%
-81.6% YoY
+182.9% QoQ
|
-1.19% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.7% in tier |
| Net Interest Margin ? |
4.02%
-5.7% YoY
+6.2% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
92.94%
+11.5% YoY
-8.2% QoQ
|
+28.46% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
85.35%
+12.6% YoY
+8.7% QoQ
|
+7.40% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
18.73%
-9.9% YoY
+1.5% QoQ
|
-3.30% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
2.68%
-3.7% YoY
-0.2% QoQ
|
+2.01% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.3% in tier |
| Tier 1 Capital Ratio ? |
12.27%
-15.7% YoY
-2.8% QoQ
|
-3.64% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.27%
-30.1% YoY
+99.8% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.7%
-2.1pp YoY +0.3pp QoQ |
-3.4pp | 22.1% | 21.9% | 22.2% | 39% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-0.5pp YoY -0.6pp QoQ |
-4.6pp | 11.6% | 14.6% | 12.5% | 33% |
| CRE |
58.9%
+2.5pp YoY +2.3pp QoQ |
+19.3pp | 39.5% | 36.5% | 41.4% | 83% |
| 1-4 Family |
31.5%
-1.1pp YoY -1.2pp QoQ |
-1.2pp | 32.6% | 29.4% | 31.3% | 54% |
| Consumer |
2.4%
-0.6pp YoY -0.4pp QoQ |
-1.7pp | 4.1% | 4.5% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-2.3pp YoY -0.4pp QoQ |
-6.6pp | 18.8% | 16.5% | 19.7% | 20% |
| Leverage Ratio |
8.5%
-1.3pp YoY -0.5pp QoQ |
-3.6pp | 12.2% | 11.0% | 12.6% | 6% |
| Total Capital Ratio |
13.2%
-2.3pp YoY -0.3pp QoQ |
-6.7pp | 19.9% | 17.6% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
35
+6 (+20.7%) YoY +5 (+16.7%) QoQ |
-24 | 58 | 55 | 482 | 35% |
| Assets per Employee ($) |
$3.9M
-9.9% YoY -14.0% QoQ |
-$3.6M | $7.5M | $8.6M | $8.8M | 4% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY |
-0.1pp | 0.1% | 0.2% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
-5.0pp YoY +2.9pp QoQ |
-10.9pp | 12.2% | 13.1% | 11.6% | 5% |
| Cost of Funds (YTD) |
2.0%
+0.4pp YoY +0.1pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 73% |
| Net Income ($, YTD) |
$93,000
-79.3% YoY — QoQ |
-$2.5M | $2.6M | $4.5M | $40.4M | 4% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.