B
Western National Bank of Cass Lake
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Western National Bank of Cass Lake
Cass Lake, MN
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Rating B
Asset Quality Index 8.70
Capitalization Index 7.70
Liquidity Index 3.50
Profitability Index 7.00
Stability Index 5.30
Company Info Western National Bank of Cass Lake
Cass Lake, MN
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FDIC Number 5110
Phone Number (218) 335-4131
Website www.wbduluth.com
Asset Quality Western National Bank of Cass Lake
Cass Lake, MN
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1-Year Asset Growth 14.93%
5-Year Asset Growth 2.44%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.62%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Western National Bank of Cass Lake
Cass Lake, MN
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Total Assets 38.49M
Total Deposits 34.48M
Capital and Reserves Western National Bank of Cass Lake
Cass Lake, MN
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Capital 3.82M
Leverage Ratio 9.46
Loan Loss Reserves to Loans 1.46%
Risk-Based Capital Ratio 27.66
Liquidity Western National Bank of Cass Lake
Cass Lake, MN
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Hot Money Ratio 11.39%
Liquidity Ratio 27.15%
Profitability Western National Bank of Cass Lake
Cass Lake, MN
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5-Year Return on Average Assets 0.79%
Net Income 563.00K
Net Interest Spread 5.07%
Operating Profit to Average Assets 1.66%
Overhead Efficiency Ratio 73.56%
Return on Assets 1.66%
Return on Equity 15.32%