What is Western State Bank's financial health grade?

Western State Bank has a TFS Financial Health Grade of C+ (score: 78.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Western State Bank have?

Western State Bank has 11 branch locations across the United States.

Is Western State Bank FDIC insured?

Yes, Western State Bank is FDIC insured (Certificate #9123).

What are the total assets of Western State Bank?

Western State Bank has total assets of $2.6B as reported in its most recent FDIC filing.

Western State Bank

BankDevils Lake, North Dakota

www.westernbanks.com

Total Assets

$2.6B

Total Deposits

$2.2B

Branches

Established

1902

TFS Health Grade

C+

78.2 / 100

Average financial health

How we grade

Western State Bank is a bank headquartered in Devils Lake, North Dakota, established in 1902. With $2.6B in total assets and 11 branch locations, it has a TFS Financial Health Grade of C+ (78.2/100).

Capital & Safety

Tier 1 Capital Ratio

12.44%(8%)

Total Capital Ratio

14.95%(10%)

Non-Performing Loan Ratio

1.50%

Profitability

Return on Assets (ROA)

1.79%(1%)

Return on Equity (ROE)

15.08%(10%)

Net Interest Margin

5.13%

Efficiency Ratio

46.90%(60%)

Lending & Liquidity

Total Loans

$2.2B

Loan-to-Deposit Ratio

98.84%

Net Charge-Off Ratio

0.35%

Growth

Asset Growth (YoY)

+9.13%

Deposit Growth (YoY)

+7.87%

Net Income

$43.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Western State BankHQ	110 4th St Se	Devils Lake	ND	11
Western State Bank	1412 E Florence Blvd	Casa Grande	AZ	11
Western State Bank	976 W Chandler Blvd	Chandler	AZ	11
Western State Bank	5901 E Mckellips Rd	Mesa	AZ	11
Western State Bank	22601 N 19th Ave	Phoenix	AZ	11
Western State Bank	6929 E Shea Blvd	Scottsdale	AZ	11
Western State Bank	7001 N Scottsdale Rd	Scottsdale	AZ	11
Western State Bank	10050 W Bell Rd	Sun City	AZ	12
Western State Bank	19440 N R H Johnson Blvd	Sun City West	AZ	11
Western State Bank	4201 45th St S	Fargo	ND	11
Western State Bank	755 13th Ave E	West Fargo	ND	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.