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Western State Bank

$1B-$10B Specialty: Commercial ND FDIC cert 9123

Designations: ✓ Community bank

Devils Lake, ND

10 branches across AZ · ND

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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +2.2% year over year ($2.1B on the books).
  • Delinquency rate 0.92%.
  • Return on assets 2.01%.
  • Efficiency ratio 47.03% vs a 59.73% peer average.
  • Loan-to-deposit ratio 104.84% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

Western State Bank has 3 strengths but faces 2 concerns

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

  • + Profitability Leader: Top 28.8% in tier
  • + Net Interest Margin 1.46% above tier average
  • + Efficiency Ratio 12.69% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 19.80% above tier average
  • - Delinquency Rate 0.05% above tier average
Get updates when Western State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $2.5B
+3.0% YoY -3.9% QoQ
-$308.0M $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $2.2B
+2.6% YoY +2.4% QoQ
+$248.6M $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $2.1B
+2.2% YoY -4.7% QoQ
-$209.1M $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 2.01%
+23.8% YoY +1.3% QoQ
+0.62% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
Top 11.5% in tier
Net Interest Margin ? 5.33%
+6.2% YoY +3.1% QoQ
+1.46% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
Top 3.5% in tier
Efficiency Ratio ? 47.03%
+0.9% YoY -0.7% QoQ
-12.69% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.92%
-12.2% YoY +6.3% QoQ
+0.05% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 104.84%
+0.4% YoY +7.5% QoQ
+19.80% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Bottom 7.3% in tier
Non-Interest-Bearing Deposit Share ? 20.30%
+183.1% YoY +3.6% QoQ
-0.97% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.82%
-12.5% YoY +13.2% QoQ
+0.14% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 13.19%
+3.3% YoY -7.7% QoQ
-1.66% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.22%
+18.0% YoY +98.0% QoQ
-0.30% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
36%

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 (ND) National Avg Tier Percentile
Noninterest-Bearing 20.3%
+13.1pp YoY
+0.7pp QoQ
 -1.1pp 21.4% 21.6% 22.2% 53%
Brokered Deposits 3.5%
-2.3pp YoY
-0.5pp QoQ
 -5.9pp 9.5% 6.0% 8.5% 38%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 57.1%
+3.1pp YoY
+1.5pp QoQ
 +43.1pp 14.0% 12.9% 12.5% 99%
CRE 31.8%
-1.7pp YoY
-1.5pp QoQ
 -18.2pp 50.0% 29.0% 41.4% 13%
1-4 Family 8.6%
-1.2pp YoY
0.0pp QoQ
 -17.8pp 26.4% 12.3% 31.3% 13%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.5% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.3% 19.7% n/a
Leverage Ratio 13.2%
+1.3pp YoY
+0.5pp QoQ
 +1.9pp 11.3% 10.7% 12.6% 86%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 326
+32 (+10.9%) YoY
-1 (-0.3%) QoQ
 +12 313 138 482 69%
Assets per Employee ($) $7.6M
-7.1% YoY
-3.6% QoQ
 -$2.9M $10.5M $8.3M $8.8M 34%
Branch Count 10
0 YoY
0 QoQ
 -10 20 7 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.5% 0.4% 35%
Nonaccrual 0.9%
-0.1pp YoY
+0.1pp QoQ
 +0.1pp 0.8% 0.7% 1.0% 71%
Allowance Coverage 1.99x
+16.5% YoY
-6.7% QoQ
 -16.72x 18.71x 73.79x 20.23x 49%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 15.9%
+1.8pp YoY
-0.3pp QoQ
 +3.3pp 12.6% 16.0% 11.6% 78%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.7% 1.7% 76%
Net Income ($, YTD) $25.5M
+31.2% YoY
— QoQ
 +$6.3M $19.2M $7.0M $40.4M 78%

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 (1)

Profitability Leader

growth
#65 of 222 • Top 28.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.01%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

32
Net Interest Margin
profitability
Value: 5.33%
Peer Median: 3.87%
#32 of 885 Top 3.5% in $1B-$10B
103
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.39%
#103 of 885 Top 11.5% in $1B-$10B
141
Efficiency Ratio
profitability
Value: 47.03%
Peer Median: 59.73%
#141 of 885 Top 15.8% in $1B-$10B

Top Weaknesses (1 metrics)

821
Loan-to-Deposit Ratio
liquidity
Value: 104.84%
Peer Median: 85.04%
#821 of 885 Bottom 7.3% in $1B-$10B
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