BlastPoint's Banking Scorecard
Western National Bank
Micro
Specialty: Other
MN
FDIC cert 5110
Designations: ✓ Community bank
Cass Lake, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Western National Bank shows strong momentum with 5 strengths and 14.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 38.89% below tier
- + Non-Interest-Bearing Deposit Share 22.53% above tier
- + Tier 1 Capital Ratio 17.56% above tier
- + Non-Interest Income / Assets 1.93% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.5M
+14.9% YoY
+13.8% QoQ
|
-$179.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$12.3M
+3.4% YoY
+1.3% QoQ
|
-$126.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$34.5M
+15.4% YoY
+15.6% QoQ
|
-$149.2M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.64%
+33.6% YoY
-0.6% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.98%
+14.7% YoY
-1.1% QoQ
|
+1.13% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
73.56%
-7.2% YoY
+0.6% QoQ
|
+5.83% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
35.64%
-10.4% YoY
-12.3% QoQ
|
-38.89% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.92%
+2.9% YoY
-0.8% QoQ
|
+22.53% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-50.0% YoY
-12.1% QoQ
|
-0.14% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
26.41%
+48.1% YoY
+10.5% QoQ
|
+17.56% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
2.50%
-0.2% YoY
+10.9% QoQ
|
+1.93% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
35.64%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.92%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.41%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
98
98th pctile
Non-Interest Income / Assets
Current: 2.50% · Tier avg: 0.56%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.64% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.92% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.41% · Tier avg: 8.85%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.45%
32
32th pctile
Efficiency Ratio
Current: 73.56% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $34.5M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $38.5M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $12.3M · Tier avg: $139.2M
Top Weaknesses
4
4th pctile
Total Loans
Current: $12.3M · Tier avg: $139.2M
4
4th pctile
Total Assets
Current: $38.5M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $34.5M · Tier avg: $183.7M
32
32th pctile
Efficiency Ratio
Current: 73.56% · Tier avg: 67.73%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.45%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.41% · Tier avg: 8.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.92% · Tier avg: 22.39%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.64% · Tier avg: 74.53%
98
98th pctile
Non-Interest Income / Assets
Current: 2.50% · Tier avg: 0.56%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%