🏦Bank Scorer

This institution is no longer active

Operations ceased on September 1, 2015. CRA examination history below reflects the period it was active.

WESTERN BANK

SAINT PAUL, MN · Supervised by FDIC

Est. 1915FDIC #10,203RSSD: FDIC-10203
Part ofAMERICAN NATIONAL CORP→ View all charters
Outstanding Same

Current rating · Exam: August 2010

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

663 University Avenue, SAINT PAUL, MN

County

Ramsey County

Established

June 11, 1915

Total Assets

$526M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 2, 2010

Exam Type

Intermediate Small Bank

Regulator

FDIC
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2015Call Report / FDIC

Total Assets

$526M

Total Deposits

$422M

Net Loans

$252M

Net Income

$2M

ROA

0.88%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.72%

Risk-Based Capital

17.65%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.88%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.65%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Aug 2010OutstandingIntermediate Small Bank
Jul 2007OutstandingIntermediate Small Bank
Jul 2004OutstandingLarge Bank

4 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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