Side-by-side · Q2 2026 data
Alerus Financial, National Association vs Western State Bank
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Alerus Financial, National Association | Western State Bank |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 43 | 82 (stronger) |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 43 | 47 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 58th | 86th |
| Total assets | $5.3B | $2.5B |
| Deposits / shares | $4.2B | $2.1B |
| Capital ratio | 9.26% | 13.19% (stronger) |
| Problem loans | 0.26% (stronger) | 0.90% |
| Net charge-offs | 0.47% | 0.28% (stronger) |
| Return on assets | 1.78% | 2.01% (stronger) |
| Loans ÷ deposits | 94.7% (stronger) | 104.8% |
| Uninsured deposits | 35.1% | 22.1% (stronger) |
| Offices | 24 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 6.3% |
Western State Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 2 and Western State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.