WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TR is the parent banking group. WESTERN STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Banking Group

WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TR

1 active bank · $2.6B combined assets

RSSD ID: 4247081 (FFIEC NIC)

Combined Assets

$2.6B

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWESTERN STATE BANKDEVILS LAKE, NDSatisfactory$2.6BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$2.6B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$2.2B

Net Income

$13M

ROA (avg)

1.98%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

238

Origination Rate

73.11%

Denial Rate

7.14%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
WESTERN STATE BANK	DEVILS LAKE, ND	FDIC	$2.6B	Satisfactory	May 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.