Western State Bank
Devils Lake, ND
IDRSSD: 233554
Total Assets
$2.56B
Latest filing
Total Deposits
$2.19B
Latest filing
Net Interest Margin
5.21%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Western State Bank
110 4th St Se
Devils Lake, ND 58301
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/01/1902FDIC Certificate 5841
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Western State Bank (Main) | 110 4th St Se | Devils Lake, ND |
| WEST FARGO BRANCH | 755 13th Ave E | West Fargo, ND |
| CHANDLER, AZ BRANCH | 976 W Chandler Blvd | Chandler, AZ |
| CASA GRANDE BRANCH | 1412 E Florence Blvd | Casa Grande, AZ |
| SUN CITY BRANCH | 10050 W Bell Rd | Sun City, AZ |
| SUN CITY WEST BRANCH | 19440 N R H Johnson Blvd | Sun City West, AZ |
| CENTRAL ARIZONA BANK BRANCH | 7001 N Scottsdale Rd | Scottsdale, AZ |
| MESA, AZ BRANCH | 5901 E Mckellips Rd | Mesa, AZ |
Showing 7 of 10
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58301 |
| State and County Number | 38071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 304 |
| Domestic Offices | 10 |
| 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.westernbanks.com |
| Data Updated | 01/30/2026 |
| CERT | 9123 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.56B |
| Total Deposits | $2.19B |
| Total Liabilities | $2.25B |
| Total Equity Capital | $309.70M |
| Net Income | $11.13M |
| Net Loans and Leases | $2.17B |
| Assets Per Employee ($Millions) | $8.02M |
| Bank Premises and Fixed Assets | $29.15M |
| Cash and Balances due from Depository Institutions | $254.09M |
| Deposits Held in Domestic Offices | $2.19B |
Key Performance Ratios
| Return on Assets (ROA) | 1.8% |
| Return on Equity (ROE) | 14.64% |
| Net Interest Margin | 5.21% |
| Efficiency Ratio | 50.26% |
| Tier 1 Risk-Based Capital Ratio | 13.698% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.55% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.105% |
| Earning Assets to total Assets | 96.44% |
Income and Expense
| Total Interest Income | $45.55M |
| Total Noninterest Income | $2.50M |
| Total Interest Expense | $14.42M |
| Total Noninterest Expense | $16.90M |
| Net Interest Income | $31.13M |
| Pre-tax Net Operating Income | $13.34M |
| Provision for Credit Losses | $3.38M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.36M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $49.35M |
| Total Liabilities and Capital | $2.56B |
Securities
| Securities | $64.47M |
| Available-for-sale debt securities | $64.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Western State Bank?
$2.56B as of the latest filing.
How much are Western State Bank's total deposits?
$2.19B in total deposits.
Where is Western State Bank located?
Devils Lake, ND.
What is the Net Interest Margin?
5.21%.
How many domestic offices does it operate?
10.
When was it established?
10/01/1902.
What is the Return on Assets (ROA)?
1.8%.
How much are total loans and leases?
$2.17B (latest filing).
What is the total interest income (latest filing)?
$45.55M.