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Overview / Commentary
201 North Central Avenue
Duluth, MN 55807

WesternBank is headquartered in Duluth and is the 137th largest bank in the state of Minnesota. It is also the 4,079th largest bank in the nation. It was established in 1904 and as of June of 2016, it had grown to 29 employees at 3 locations. WesternBank has a B+ health rating.


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Health Grade Components

FDIC Certificate #5131
Year Established1904
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD7.25%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$118.7MM$115.9MM
LoansQ2 2016vs Q2 2015$71.6MM$69.3MM
DepositsQ2 2016vs Q2 2015$104.8MM$102.1MM
Equity CapitalQ2 2016vs Q2 2015$13.6MM$13.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$511.00K$669.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.2MM$655.00K
Real Estate OwnedQ2 2016vs Q2 2015$384.00K$250.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

WesternBank Savings Account Rates

0.19%$100-Traditional IRA
0.19%$100-Roth IRA
0.13%*$300k*-Western Capital
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $50k | 0.10% $50k - $100k | 0.12% $100k - $300k
0.05%--Holiday Savings
0.03%--Regular Savings

WesternBank Checking Account Rates

0.02%--Preferred Plus
0.02%$2,500-Business Preferred Plus

WesternBank CD Rates

1.10%*$100k*-60 Month CD
OTHER TIERS: 0.60% $1k - $10k | 1.03% $10k - $50k | 1.05% $50k - $100k
0.85%*$50k*-48 Month CD
OTHER TIERS: 0.55% $1k - $10k | 0.80% $10k - $50k
0.70%*$100k*-36 Month CD
OTHER TIERS: 0.33% $1k - $10k | 0.60% $10k - $50k | 0.65% $50k - $100k
0.50%*$100k*-24 Month CD
OTHER TIERS: 0.25% $1k - $10k | 0.35% $10k - $50k | 0.45% $50k - $100k
0.32%*$100k*-12 Month CD
OTHER TIERS: 0.20% $1k - $10k | 0.26% $10k - $50k | 0.30% $50k - $100k
0.20%*$100k*-6 Month CD
OTHER TIERS: 0.08% $1k - $10k | 0.15% $10k - $100k
0.08%*$100k*-3 Month CD
OTHER TIERS: 0.05% $1k - $50k | 0.07% $50k - $100k

WesternBank Locations
Western National Bank201 North Central AvenueDuluth, MN 55807
Downtown Branch202 West Superior StreetDuluth, MN 55802
Superone Foods Branch5401 Burning Tree RoadDuluth, MN 55811