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Western National Bank
Duluth, MN · FDIC Certificate #5131 · Chartered 01/0
Total assets
$135.77M
Total deposits
$108.76M
Total equity
$14.34M
Net loans
$92.83M
Branches (offices)
3
Net income (YTD)
$93.00K
Rank: #3,419 of 4,213 U.S. banks by assets · #144 of 221 in Minnesota. Assets changed 8.7% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.14% |
| Return on equity | 1.29% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 10.56% |
| Tier 1 leverage ratio | 8.52% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 90.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $83.87M | 90.4% | |
| Commercial & industrial | $6.48M | 7.0% | |
| Consumer / individual | $2.20M | 2.4% | |
| Construction & development | $2.07M | 2.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $123.85M | $107.87M | $61.00K | $14.08M |
| Jun 2023 | $118.44M | $103.15M | $274.00K | $13.56M |
| Jun 2024 | $118.18M | $99.20M | -$2.00K | $13.53M |
| Jun 2025 | $124.88M | $103.62M | $449.00K | $14.46M |
| Jun 2026 | $135.77M | $108.76M | $93.00K | $14.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $108.76M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $108.76M.
Similar-sized banks
Merchants & Farmers Bank Of Greene County, Alabama ($135.87M) · The Litchfield National Bank ($135.66M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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