Western National Bank is a bank based in Duluth, Minnesota, established in 1904, with $135 million in total assets across 3 branches. By Trust Grade it ranks 176th of 224 banks we track in Minnesota. Its capital ratio of 10.6% is stronger than 57% of similarly sized banks, versus a Minnesota median of 9.5%. It posted a loss over the most recent period (-0.17% return on assets), a point to watch. No consumer complaints against Western National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Western National Bank compares to Minnesota peers
How we graded Western National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.6% capital ratio)
- Unprofitable over the period (ROA -0.17%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Western National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 202 W Superior St, Duluth, MN 55802
- 4120 Richard Ave, Hermantown, MN 55811
- 201 N Central Ave, Duluth, MN 55807
Are deposits at Western National Bank insured?
Yes. Western National Bank is an FDIC-insured bank (FDIC certificate #5131). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Western National Bank: frequently asked questions
Is Western National Bank a good bank?
Western National Bank earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Strongly capitalized (10.6% capital ratio); Unprofitable over the period (ROA -0.17%).
Is Western National Bank FDIC-insured?
Yes. Western National Bank is a FDIC-insured bank (FDIC certificate #5131). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Western National Bank?
Western National Bank holds $135 million in total assets, ranking 176th of 224 banks we track in Minnesota. It operates 3 branches.
Does Western National Bank have CFPB complaints?
No CFPB complaints against Western National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
