Western State Bank

Western State Bank of Devils Lake, ND, chartered 1902: 10 offices, $2.49bn in assets, a 13.19% leverage ratio. Straight from the federal record.

Western State Bank is an FDIC-insured community bank headquartered in Devils Lake, ND, chartered in 1902. It is supervised by the FDIC and held by Western St Agency Employee Stk Ownership Plan & Tr. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Western State Bank has branches

10 full-service offices across 2 states:

• Arizona: 7 offices in 7 towns, holding $1.07bn at 30 June 2025
• North Dakota: 3 offices in 3 towns, holding $996m at 30 June 2025

Western State Bank on its latest Call Report, 30 June 2026

• Total assets: $2.49bn
• Total deposits: $2.11bn
• Tier 1 leverage ratio: 13.19%
• Total risk-based capital ratio: 0.00%
• Noncurrent loans, as a share of loans: 0.90%
• Return on assets: 2.01%
• Net interest margin: 5.33%
• Staff: 326

Compare Western State Bank against every other bank with a branch in North Dakota, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.