Western State Bank is a bank based in Devils Lake, North Dakota, established in 1902, with $2.6 billion in total assets across 10 branches. By Trust Grade it ranks 17th of 60 banks we track in North Dakota. Its capital ratio of 12.4% is stronger than 81% of similarly sized banks, versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 1.98% return on assets. No consumer complaints against Western State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Western State Bank compares to North Dakota peers
How we graded Western State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.4% capital ratio)
- Strongly profitable (ROA 1.98%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Western State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 755 13th Ave E, West Fargo, ND 58078
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- 110 4th St Se, Devils Lake, ND 58301
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- 4201 45th St S, Fargo, ND 58104
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Are deposits at Western State Bank insured?
Yes. Western State Bank is an FDIC-insured bank (FDIC certificate #9123). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Western State Bank: frequently asked questions
Is Western State Bank a good bank?
Western State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.4% capital ratio); Strongly profitable (ROA 1.98%).
Is Western State Bank FDIC-insured?
Yes. Western State Bank is a FDIC-insured bank (FDIC certificate #9123). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Western State Bank?
Western State Bank holds $2.6 billion in total assets, ranking 17th of 60 banks we track in North Dakota. It operates 10 branches.
Does Western State Bank have CFPB complaints?
No CFPB complaints against Western State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
