Bank · FDIC insured
Western State Bank
A $2.5B bank headquartered in Devils Lake, ND, with 10 branches in 2 states. Best rates: CDs 4.20% 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: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—4.20%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Western State Bank
Western State Bank was founded in 1902 as Bank of Webster in North Dakota before changing its name and moving its headquarters to Devils Lake in 1966.
The company formed an Employee Stock Ownership Plan in 2000.
The bank offers agricultural banking among its business services.
- Headquarters
- 110 4th St Se, Devils Lake, ND 58301
- FDIC certificate
- 9123 ↗
Branches
10 branches in 2 states
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Arizona
7 branches
Casa Grande area · 1
- Casa Grande Branch1412 E Florence Blvd, Casa Grande, AZ 85122Directions
Chandler area · 1
- Chandler, Az Branch976 W Chandler Blvd, Chandler, AZ 85225Directions
Mesa area · 1
- Mesa, Az Branch5901 E Mckellips Rd, Mesa, AZ 85215Directions
Phoenix area · 1
- Phoenix, Az Branch22601 N 19th Ave, Phoenix, AZ 85027Directions
Scottsdale area · 1
- Scottsdale, Az Branch6929 E Shea Blvd, Scottsdale, AZ 85254Directions
Sun City area · 1
- Sun City Branch10050 W Bell Rd, Sun City, AZ 85351Directions
Sun City West area · 1
- Sun City West Branch19440 N R H Johnson Blvd, Sun City West, AZ 85375Directions
North Dakota
3 branches
Devils Lake area · 1
- Western State BankMain office110 4th St Se, Devils Lake, ND 58301Directions
Fargo area · 1
- Fargo Branch4201 45th St S, Fargo, ND 58104Directions
West Fargo area · 1
- West Fargo Branch755 13th Ave E, West Fargo, ND 58078Directions
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 | 13.19% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.90% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.01% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $107 | $88 | — |
- CapitalLeverage ratio13.19%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.90%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.01%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$107Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.