Overview / Commentary
201 North Central Avenue
Duluth, MN 55807

WesternBank is headquartered in Duluth and is the 158th largest bank in the state of Minnesota. It is also the 3,963rd largest bank in the nation. It was established in 1904 and as of December of 2018, 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 - YTD0.68%
Return on Equity - YTD5.47%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$109.8MM$110.7MM
LoansQ4 2018vs Q4 2017$77.4MM$70.2MM
DepositsQ4 2018vs Q4 2017$95.6MM$96.7MM
Equity CapitalQ4 2018vs Q4 2017$13.9MM$13.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$699.00K$600.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.6MM$31.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

0.25%--Holiday Savings
0.25%*$300k*-Western Capital
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.20% $50k - $300k
0.25%$100-Traditional IRA
0.25%$100-Roth IRA
0.10%--Regular Savings

WesternBank Checking Account Rates

0.08%--Preferred Plus
0.02%$2.5k-Business Preferred Plus

WesternBank CD Rates

1.85%*$100k*-30 Month CD Special
OTHER TIERS: 0.95% $5k - $10k | 1.75% $10k - $100k
1.75%*$100k*-18 Month CD Special
OTHER TIERS: 0.80% $5k - $10k | 1.50% $10k - $100k
1.40%*$100k*-60 Month CD
OTHER TIERS: 0.65% $1k - $10k | 1.15% $10k - $50k | 1.30% $50k - $100k
1.15%*$100k*-48 Month CD
OTHER TIERS: 0.60% $1k - $10k | 0.90% $10k - $50k | 1.05% $50k - $100k
1.05%*$100k*-36 Month CD
OTHER TIERS: 0.50% $1k - $10k | 0.70% $10k - $50k | 0.95% $50k - $100k
0.75%*$100k*-24 Month CD
OTHER TIERS: 0.30% $1k - $10k | 0.55% $10k - $50k | 0.65% $50k - $100k
0.45%*$100k*-12 Month CD
OTHER TIERS: 0.25% $1k - $10k | 0.40% $10k - $100k
0.25%*$100k*-6 Month CD
OTHER TIERS: 0.15% $1k - $10k | 0.20% $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

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