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Western National Bank Duluth, MN

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Western National Bank Duluth, MN Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Western National Bank Duluth, MN provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 2, 2026

Western National Bank Duluth, MN's top rate as of October 2, 2026 is 3.79% APY on its 15-Month CD, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Western National Bank Duluth, MN with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 25.41%. Rates last updated and verified on 10/02/2026.

Western National Bank Duluth, MN money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Western National Bank Duluth, MN? Share your experience about Western National Bank Duluth, MN by leaving a review below, or read customer reviews before you decide to use Western National Bank Duluth, MN.

Overall Health & Safety Grade

C+

Fair Health Score: 79/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

25.41%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Western National Bank

201 N Central Ave
Duluth, MN 55807

https://www.wbduluth.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Western National Bank Duluth, MN CD Rates

Product	Rate	APY	Term	View More
15 Month CD	-	3.79%	15 Month
Min Deposit $10,000 Details Special; $10,000 minimum deposit Last Updated 10/02/2026 Rate History No change since Sep 29, 2026 · 3.79% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Western National Bank Duluth, MN’s Texas Ratio rose from 10.82% in Q3 2023 to 25.41% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.1 and its Health Grade from A to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$136M	25.41%	4.1	C+
March 31, 2026	$135M	25.46%	4.1	C+
December 31, 2025	$135M	25.01%	4.2	C+
September 30, 2025	$128M	23.90%	4.3	B-
June 30, 2025	$125M	24.05%	4.3	B-
March 31, 2025	$118M	13.31%	5.0	A
December 31, 2024	$118M	13.84%	5.0	A
September 30, 2024	$122M	15.08%	5.0	A-
June 30, 2024	$118M	14.05%	5.0	A-
March 31, 2024	$122M	15.06%	5.0	A-
December 31, 2023	$122M	13.75%	5.0	A
September 30, 2023	$119M	10.82%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Western National Bank Duluth, MN is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Western National Bank Duluth, MN rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Western National Bank Duluth, MN's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Western National Bank Duluth, MN

Bank Holding Company WESTERN BCORP INC

Address 201 N Central Ave, Duluth, MN 55807 · St. Louis

Website https://www.wbduluth.com

FDIC Certificate # 5131

Established 19040104

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 79/100

4.1

Excellent Out of 5.0 Stars

25.41%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1373%

Return on Equity (ROE) 1.2900%

Non-Performing Loans (NPL) 0.00%

Total Assets $135,773,000

Total Deposits $108,757,000

Equity Capital $14,338,000

Net Income $93,000

Headquarters Duluth

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Western National Bank Duluth, MN

How many branches does Western National Bank Duluth, MN operate?

Western National Bank Duluth, MN currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Western National Bank Duluth, MN does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Western National Bank Duluth, MN provides members with tools to manage their accounts and build a solid financial history.

Does Western National Bank Duluth, MN offer online and mobile banking?

Most modern institutions like Western National Bank Duluth, MN provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wbduluth.com.