Western National Bank is a national bank headquartered in Cass Lake, Minnesota, in business for about 124 years. At the end of Q2 2026 it reported $37.1M in total assets and $33.0M in deposits, with 1 office.
Western National Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 91st. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (41/100, 9.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (67 → 72), mostly because the loan quality component improved by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 70 |
| Q4 2024 | 67 |
| Q1 2025 | 79 |
| Q2 2025 | 67 |
| Q3 2025 | 77 |
| Q4 2025 | 73 |
| Q1 2026 | 64 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.82% |
| Q3 2024 | 8.47% |
| Q4 2024 | 9.14% |
| Q1 2025 | 9.55% |
| Q2 2025 | 9.79% |
| Q3 2025 | 10.06% |
| Q4 2025 | 8.77% |
| Q1 2026 | 8.85% |
| Q2 2026 | 9.11% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.00% |
| Q2 2025 | 1.18% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.23% |
| Q1 2025 | 2.08% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $37.1M | 9.11% | 0.00% | 1.32% | 43.5% |
| Q1 2026 | 64 | $37.4M | 8.85% | 0.69% | 1.46% | 37.0% |
| Q4 2025 | 73 | $38.5M | 8.77% | 0.00% | 1.64% | 35.6% |
| Q3 2025 | 77 | $33.8M | 10.06% | 0.00% | 1.65% | 40.6% |
| Q2 2025 | 67 | $33.2M | 9.79% | 1.18% | 1.74% | 39.4% |
| Q1 2025 | 79 | $32.7M | 9.55% | 0.00% | 2.08% | 42.4% |
| Q4 2024 | 67 | $33.5M | 9.14% | 0.41% | 1.23% | 39.8% |
| Q3 2024 | 70 | $37.0M | 8.47% | 0.07% | 1.13% | 35.7% |
| Q2 2024 | 55 | $39.8M | 8.82% | 1.40% | 0.96% | 32.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of JeffersBank Jeffers, MN | 97 out of 100, Very strong | $37.1M | 14.1% | 0.00% | vs |
| Farmers State Bank of HoffmanBank Hoffman, MN | 67 out of 100, Moderate | $36.9M | 12.6% | 2.10% | vs |
| The First National Bank at St. JamesBank Saint James, MN | 68 out of 100, Moderate | $37.9M | 8.7% | 0.27% | vs |
| The First National Bank of FairfaxBank Fairfax, MN | 67 out of 100, Moderate | $35.6M | 38.5% | 8.68% | vs |
| The First National Bank of ProctorBank Proctor, MN | 69 out of 100, Moderate | $34.0M | 8.5% | 0.00% | vs |
| Lake Country Community BankBank Morristown, MN | 74 out of 100, Strong | $31.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Western National Bank?
Yes. Western National Bank is an FDIC-insured institution (FDIC certificate #5110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.5% of deposits ($15.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.27% (benchmark: 10%).
1 location
Branches
Western National Bank lists 1 office in 1 city. Most locations:
- Cass Lake, MN (1)
Identity & history
Profile
- Legal name
- Western National Bank
- Former names
- The First National Bank of Cass Lake
- Type
- National bank
- FDIC certificate #
- 5110
- RSSD ID
- 278751
- Primary regulator
- OCC
- Holding company
- Western Bcorp Inc
- Established
- July 1, 1902
- Headquarters
- 210 2nd St Nw, Cass Lake, MN 56633
- Website
- www.wbcasslake.com
- Employees
- 5
Quick answers
Western National Bank: common questions
Is Western National Bank FDIC insured?
Yes. Western National Bank is an FDIC-insured institution (FDIC certificate #5110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Western National Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Western National Bank ever failed?
There is no failure record for FDIC certificate #5110 in the FDIC failed bank list.
How many branches does Western National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cass Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Trustar Federal Credit UnionCredit union International F, MN | 88 out of 100, Very strong | $376.7M | 15.4% | 0.36% | vs |
| First National Bank NorthBank Walker, MN | 85 out of 100, Very strong | $864.3M | 12.1% | 0.23% | vs |
| Security Bank USABank Bemidji, MN | 77 out of 100, Strong | $263.9M | 9.4% | 0.22% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |