Western National Bank
Cass Lake, MN
IDRSSD: 278751
Total Assets
$33.83M
Latest filing
Total Deposits
$29.84M
Latest filing
Net Interest Margin
5.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Western National Bank
210 2nd St Nw
Cass Lake, MN 56633
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1902FDIC Certificate 3417
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Western National Bank (Main) | 210 2nd St Nw | Cass Lake, MN | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 07/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56633 |
| State and County Number | 27021 |
| 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 | Brainerd, MN |
Operational Info
| Number of Employees | 6 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.wbcasslake.com |
| Data Updated | 11/14/2025 |
| CERT | 5110 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $33.83M |
| Total Deposits | $29.84M |
| Total Liabilities | $30.08M |
| Total Equity Capital | $3.75M |
| Net Income | $124.00k |
| Net Loans and Leases | $12.13M |
| Assets Per Employee ($Millions) | $6.77M |
| Bank Premises and Fixed Assets | $1.01M |
| Cash and Balances due from Depository Institutions | $3.86M |
| Deposits Held in Domestic Offices | $29.84M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 13.37% |
| Net Interest Margin | 5.63% |
| Efficiency Ratio | 72.96% |
| Tier 1 Risk-Based Capital Ratio | 23.905% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.54% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.082% |
| Earning Assets to total Assets | 82.44% |
Income and Expense
| Total Interest Income | $426.00k |
| Total Noninterest Income | $246.00k |
| Total Interest Expense | $47.00k |
| Total Noninterest Expense | $456.00k |
| Net Interest Income | $379.00k |
| Pre-tax Net Operating Income | $124.00k |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $120.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $243.00k |
| Total Liabilities and Capital | $33.83M |
Securities
| Securities | $15.43M |
| Available-for-sale debt securities | $8.49M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $6.94M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Western National Bank?
$33.83M as of the latest filing.
How much are Western National Bank's total deposits?
$29.84M in total deposits.
Where is Western National Bank located?
Cass Lake, MN.
What is the Net Interest Margin?
5.63%.
How many domestic offices does it operate?
1.
When was it established?
07/01/1902.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$12.13M (latest filing).
What is the total interest income (latest filing)?
$426.00k.