B
Western National Bank
DuluthMN
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Western National Bank
Duluth, MN
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Rating B
Asset Quality Index 7.90
Capitalization Index 8.20
Liquidity Index 2.40
Profitability Index 2.70
Stability Index 6.50
Company Info Western National Bank
Duluth, MN
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FDIC Number 5131
Phone Number (218) 723-1000
Website www.wbduluth.com
Asset Quality Western National Bank
Duluth, MN
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1-Year Asset Growth -3.64%
5-Year Asset Growth 2.56%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.31%
Non-Performing Assets to Assets 1.60%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Western National Bank
Duluth, MN
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Total Assets 117.66M
Total Deposits 95.36M
Capital and Reserves Western National Bank
Duluth, MN
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Capital 14.19M
Leverage Ratio 9.80
Loan Loss Reserves to Loans 0.98%
Risk-Based Capital Ratio --
Liquidity Western National Bank
Duluth, MN
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Hot Money Ratio 16.88%
Liquidity Ratio 16.92%
Profitability Western National Bank
Duluth, MN
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5-Year Return on Average Assets 0.42%
Net Income 141.00K
Net Interest Spread 4.02%
Operating Profit to Average Assets 0.47%
Overhead Efficiency Ratio 88.72%
Return on Assets 0.47%
Return on Equity 4.00%