Western State Bank
Devils Lake, ND · State Bank, Not a Federal Reserve Member · Part of WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TR
Summary
- Total assets: $2.5 billion
- Total deposits: $2.1 billion
- Total loans: $2.3 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 6.0% |
| Multifamily | 6.7% |
| Owner-occupied commercial real estate | 7.3% |
| Non-owner-occupied commercial real estate | 11.2% |
| Residential | 8.4% |
| Commercial & industrial | 56.0% |
| Consumer & other | 4.3% |
Health indicators
- Tier 1 leverage ratio: 13.19%
- Total risk-based capital ratio: 0.00%
- Noncurrent loans: 0.90%
- Net charge-offs: 0.28%
- Return on assets: 2.01%
Local footprint
| County | Branches | Deposits |
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