Bank · FDIC insured
Western National Bank
A $135.8M bank headquartered in Duluth, MN, with 3 branches in Minnesota. Best rates: CDs 3.79% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website.
- CDs—3.79%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Western National Bank
Founded in 1904 as Western State Bank in Duluth, Minnesota, the institution merged with Home State Bank in 1927 and eventually adopted the name Western National Bank.
Operating for over 100 years, the bank provides banking services to Duluth and its neighboring communities.
- Headquarters
- 201 N Central Ave, Duluth, MN 55807
- FDIC certificate
- 5131 ↗
Branches
3 branches in Minnesota
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Minnesota
3 branches
- Western National BankMain office201 N Central Ave, Duluth, MN 55807Directions
- Downtown Branch202 W Superior St, Duluth, MN 55802Directions
- Superone Foods Branch4120 Richard Ave, Hermantown, MN 55811Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.52% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.14% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio8.52%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.14%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Western National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.