Western National Bank
Duluth, MN
IDRSSD: 127055
Total Assets
$135.35M
Latest filing
Total Deposits
$105.96M
Latest filing
Net Interest Margin
3.68%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Western National Bank
201 N Central Ave
Duluth, MN 55807
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/04/1904FDIC Certificate 3433
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Western National Bank (Main) | 201 N Central Ave | Duluth, MN |
| DOWNTOWN BRANCH | 202 W Superior St | Duluth, MN |
| SUPERONE FOODS BRANCH | 4120 Richard Ave | Hermantown, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55807 |
| State and County Number | 27137 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Duluth, MN-WI |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.wbduluth.com |
| Data Updated | 01/30/2026 |
| CERT | 5131 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $135.35M |
| Total Deposits | $105.96M |
| Total Liabilities | $120.85M |
| Total Equity Capital | $14.49M |
| Net Income | $68.00k |
| Net Loans and Leases | $84.09M |
| Assets Per Employee ($Millions) | $4.83M |
| Bank Premises and Fixed Assets | $5.25M |
| Cash and Balances due from Depository Institutions | $17.73M |
| Deposits Held in Domestic Offices | $105.96M |
Key Performance Ratios
| Return on Assets (ROA) | 0.21% |
| Return on Equity (ROE) | 1.87% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 90.02% |
| Tier 1 Risk-Based Capital Ratio | 14.193% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.707% |
| Earning Assets to total Assets | 86.34% |
Income and Expense
| Total Interest Income | $1.72M |
| Total Noninterest Income | $132.00k |
| Total Interest Expense | $669.00k |
| Total Noninterest Expense | $1.06M |
| Net Interest Income | $1.05M |
| Pre-tax Net Operating Income | $68.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $3.44M |
| Other borrowed funds | $11.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.00M |
| All Other Liabilities | $1.90M |
| Total Liabilities and Capital | $135.35M |
Securities
| Securities | $19.01M |
| Available-for-sale debt securities | $11.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $7.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Western National Bank?
$135.35M as of the latest filing.
How much are Western National Bank's total deposits?
$105.96M in total deposits.
Where is Western National Bank located?
Duluth, MN.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
3.
When was it established?
01/04/1904.
What is the Return on Assets (ROA)?
0.21%.
How much are total loans and leases?
$84.09M (latest filing).
What is the total interest income (latest filing)?
$1.72M.