TellerScore

Headquartered in Devils Lake, North Dakota, Western State Bank is a state-chartered bank with $2.5B in total assets and $2.1B in deposits as of Q2 2026. It operates 10 offices across 2 states. Its charter dates back to 1902.

Western State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 11th. Earnings contributes the most (100/100, 2.01%); funding & liquidity contributes the least (47/100, 105% loans-to-deposits, 22% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.19%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings100/100
Return on assets (annualized): 2.01%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 104.8% · 22.1% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.46%

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 8 points (70 → 78), mostly because the earnings component improved by 15 points.

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202468
Q1 202569
Q2 202570
Q3 202571
Q4 202569
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%9.09%13.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.46%
Q3 202411.64%
Q4 202411.69%
Q1 202511.93%
Q2 202511.90%
Q3 202512.56%
Q4 202512.44%
Q1 202612.70%
Q2 202613.19%
Noncurrent loans
0.68%1.09%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.75%
Q4 20241.19%
Q1 20251.06%
Q2 20251.03%
Q3 20251.30%
Q4 20251.50%
Q1 20260.85%
Q2 20260.90%
Return on assets
1.44%1.72%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.59%
Q4 20241.63%
Q1 20251.44%
Q2 20251.62%
Q3 20251.79%
Q4 20251.79%
Q1 20261.98%
Q2 20262.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$2.5B13.19%0.90%2.01%104.8%
Q1 202678$2.6B12.70%0.85%1.98%97.6%
Q4 202569$2.6B12.44%1.50%1.79%98.8%
Q3 202571$2.4B12.56%1.30%1.79%106.2%
Q2 202570$2.4B11.90%1.03%1.62%104.4%
Q1 202569$2.4B11.93%1.06%1.44%97.9%
Q4 202468$2.3B11.69%1.19%1.63%101.7%
Q3 202472$2.3B11.64%0.75%1.59%102.1%
Q2 202472$2.2B11.46%0.68%1.63%104.1%

897 peers · $1 billion – $10 billion

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).

Capital ratio13.19%
86th
Total risk-based capital0.00%
13th
Problem loans0.90%
30th
Net charge-offs0.28%
15th
Return on assets2.01%
89th
Net interest margin5.33%
97th
Efficiency ratio47.0%
83rd
Loans to deposits104.8%
7th
Uninsured deposits22.1%
78th
Loan-loss reserves1.80%
93rd
Texas ratio5.5%
35th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
First Western Bank & TrustBank Minot, ND55 out of 100, Moderate$2.4B9.6%1.42%vs
Starion BankBank Bismarck, ND56 out of 100, Moderate$2.1B9.4%1.45%vs
Cornerstone BankBank Fargo, ND47 out of 100, Below average$1.9B9.6%2.35%vs
Dakota Community Bank & Trust, National AssociationBank Hebron, ND76 out of 100, Strong$1.4B9.1%0.08%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs
Bank ForwardBank Fargo, ND70 out of 100, Strong$1.1B10.2%0.67%vs

Deposit insurance

Is my money safe at Western State Bank?

Yes. Western State Bank is an FDIC-insured institution (FDIC certificate #9123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.1% of deposits ($466.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Western State Bank lists 10 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Western State Bank reported 335 home-loan applications under HMDA (LEI 254900P681DTTH4I3144): 240 originated ($128,190,000 total), 16 denied, and 79 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Western State Bank
Former names
Bank of Webster
Type
State-chartered bank
FDIC certificate #
9123
RSSD ID
233554
Primary regulator
FDIC
Holding company
Western St Agency Employee Stk Ownership Plan&tr
Established
October 1, 1902
Headquarters
110 4th St Se, Devils Lake, ND 58301
Employees
326

Quick answers

Western State Bank: common questions

Is Western State Bank FDIC insured?

Yes. Western State Bank is an FDIC-insured institution (FDIC certificate #9123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western State Bank's TellerScore?

78 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 State Bank ever failed?

There is no failure record for FDIC certificate #9123 in the FDIC failed bank list.

How many branches does Western State Bank have?

10 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Devils Lake

InstitutionScoreAssetsCapitalProblem loansCompare
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
First Community Credit UnionCredit union Jamestown, ND71 out of 100, Strong$1.5B12.3%0.61%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs
Gate City BankBank Fargo, ND65 out of 100, Moderate$4.0B9.8%0.69%vs
Horizon Financial BankBank Munich, ND61 out of 100, Moderate$201.0M10.8%1.34%vs
North Star Community Credit UnionCredit union Maddock, ND61 out of 100, Moderate$464.8M14.3%2.87%vs