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Western State Bank


Western State Bank is an FDIC insured institution headquartered at 110 4th St Se, Devils Lake, ND 58301.
It was founded in 1902 and has approximately $3 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - June 28, 2026

SAVINGS RATES APY MIN
SAV
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.50% $1,000 Compare
12 Mo CD
0.35% $10,000 Compare
18 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.45% $10,000 Compare
30 Mo CD
0.45% $10,000 Compare
36 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.75% $10,000 Compare
MM RATES APY MIN
Money Market
3.75% $0 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.05% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9123
Date Established 1902
Assets $ 2.56 billion
Loans $ 2.17 billion
Deposits $ 2.19 billion
Capital $ 309.70 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 254.09 million
Interest-bearing balances $ 234.47 million
Total securities $ 64.47 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.17 billion
Loan loss allowance $ 39.73 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.02 million
All other assets $ 16.57 million
     Total Assets $ 2.25 billion

LIABILITIES
Total deposits $ 2.19 billion
      Interest-bearing deposits $ 1,763.66 million
      Deposits held in domestic offices $ 2.19 billion
      % insured (estimated)" 78.37%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 34.50 million
Subordinated debt N.A.
All other liabilities $ 27.61 millionn
      Total Liabilities $ 2.25 billion
      Shareholders’ Equity $ 309.70 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 176.78 million
Total Interest Expense $ 56.55 million
Net interest income $ 120.23 million
Provision for loan and lease losses $ 12.92 million
Total non interest income $ 10.07 million
Total non interest expense $ 61.11 million
Pre-tax Net Operating Income $ 26.14 million

Customer Reviews for Western State Bank (1)

Rated 5.00 stars out of 5 - based on 1 reviews

  • January 4, 2023 |

    I've been a customer for many years. The folks are always really helpful. Just a great bank all around. I am not entirely sure about Western States as an online bank, might be hesitant to do business with them if I couldn't get to a branch.

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