🏦Bank Scorer

WESTERN NATIONAL BANK

DULUTH, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1904FDIC #5,131
Outstanding Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.17%

Institution Profile

FDIC BankFind

Address

201 N Central Ave, DULUTH, MN

County

St. Louis County

Established

January 4, 1904

Total Assets

$135M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 30, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$135M

Total Deposits

$108M

Net Loans

$85M

Net Income

$-56K

ROA

-0.17%

ROE

-1.56%

Risk-Based Capital

13.56%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$104M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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