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 Western National Bank
Western National Bank
| RSSD ID 127055 | CERTIFICATE 5131 | ABA NUMBER 91900067 |
| 201 N Central Ave |
Quarter Ended : |
2025-12-31 |
| Duluth, Minnesota, 55807 |
Updated : |
2026-01-29 |
| www.wbduluth.com |
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| Institution Profile |
| Year Opened : |
1904 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
28 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 135,346 |
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Total Interest Income | 6,393 |
| Total Liabilities | 120,854 |
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Total NonInterest Income | 833 |
| Total Bank Equity Capital | 14,492 |
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Total Interest Expense | 1,787 |
| Total Deposits | 105,957 |
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Total NonInterest Expense | 4,635 |
| Net Loans & Leases | 84,091 |
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Net Income | 734 |
| Loan Loss Allowance | 803 |
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Net Charge Offs | 62 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 12,386 |
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Total loans | 83,686 |
| Total assets for the leverage ratio | 128,939 |
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Loans secured by real estate: | 66,389 |
| Tier 1 Leverage Ratio | 8.98 |
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Commercial and industrial loans | 6,037 |
| Tier 1 Capital Ratio | 14.19 |
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Loans to individuals - Credit Cards | 856 |
| Total Capital Ratio | 15.18 |
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Loans to individuals - Other | 1,249 |
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:· Western National Bank
