BlastPoint's Banking Scorecard
Western National Bank
Micro
Specialty: Commercial
MN
FDIC cert 5131
Designations: ✓ Community bank
Duluth, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Western National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.23% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.3M
+14.6% YoY
+5.4% QoQ
|
-$82.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$84.1M
+13.7% YoY
+2.9% QoQ
|
-$55.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$106.0M
+9.4% YoY
-0.7% QoQ
|
-$77.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.59%
+55.2% YoY
-19.1% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
4.27%
+16.8% YoY
-4.9% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
85.22%
-3.6% YoY
+1.6% QoQ
|
+17.49% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.22%
+169.8% YoY
+315.9% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
79.36%
+3.9% YoY
+3.7% QoQ
|
+4.84% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
20.50%
-23.2% YoY
-37.6% QoQ
|
-1.89% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
2.68%
+63.1% YoY
-1.3% QoQ
|
+2.23% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.19%
-1.7% YoY
+3.7% QoQ
|
+5.34% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.62%
+26.6% YoY
+12.7% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 0.45%, National avg: 0.48%)
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
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.19% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.36% · Tier avg: 74.53%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.50% · Tier avg: 22.39%
36
36th pctile
Total Loans
Current: $84.1M · Tier avg: $139.2M
33
33th pctile
Total Assets
Current: $135.3M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $106.0M · Tier avg: $183.7M
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.22% · Tier avg: 67.73%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.68% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.68% · Tier avg: 0.45%
13
13th pctile
Efficiency Ratio
Current: 85.22% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
30
30th pctile
Total Deposits
Current: $106.0M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $135.3M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $84.1M · Tier avg: $139.2M
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.50% · Tier avg: 22.39%
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.36% · Tier avg: 74.53%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.19% · Tier avg: 8.85%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%