Westside State Bank: Financial Reports & UBPR Data
BankRegReports is independent of Westside State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Westside State Bank. The Westside, Iowa bank had $269 million in assets at June 30, 2026, up 9.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.57% of loans from 0.20% a year earlier. It funds 8.82% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew deposits 15.7% over the year, 3.9 times the median of 4.0% for banks its size.
The commercial and industrial book ($47 million) is worsening: 6.93% of it is past due or on nonaccrual, up from 0.59% a year earlier. Deposits are coming in faster than loans: over the year loans rose 12.7% and deposits rose 15.7%. Credit is the area to watch: it carries problem assets equal to 14.6% of the capital and reserves that would absorb them, 5.5 times the median of 2.6% for banks its size.
As of June 30, 2026, Westside State Bank reported a CET1 capital ratio of 12.29%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 14.57%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 401 1st St, Westside, IA 51467
- County
- Crawford
- Metro Area
- Carroll, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- June 1, 1907
- Offices
- 6 domestic
- Employees (FTE)
- 33
- Domestic deposits
- $208.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $59K
- Average total assets
- $269.5M
- Average total loans
- $232.1M
- Average interest-bearing deposits
- $168.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 1962
- FDIC Cert
- 18518
- Fed RSSD
- 972143
- Website
- www.westsidestate.bank →
- Parent Holding Company
- HALBUR BANCSHARES, INC. (RSSD 1209024)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Westside State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Westside State Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Westside State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.29% | 1.14% | 0.03% | 14.57% | 3.89% |
| Q1 2026 | 10.71% | 1.25% | 0.03% | 14.71% | 3.94% |
| Q4 2025 | 10.59% | 1.04% | 0.06% | 1.97% | 3.96% |
| Q3 2025 | 10.51% | 1.53% | 0.02% | 1.18% | 3.91% |
| Q2 2025 | 10.41% | 1.34% | 0.03% | 2.19% | 3.87% |
| Q1 2025 | 10.31% | 1.20% | 0.04% | 0.92% | 3.93% |
| Q4 2024 | 10.16% | 1.01% | 0.06% | 1.08% | 3.40% |
| Q3 2024 | 10.01% | 1.02% | 0.00% | 1.41% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Westside State Bank (main office) | Westside , IA | 51467 | $79.0M |
| Westside State Bank (main office) | Carroll , IA | 51401 | $47.5M |
| Wall Lake Branch | Wall Lake , IA | 51466 | $32.0M |
| Halbur Branch | Halbur , IA | 51444 | $27.4M |
| Bellevue Branch | Bellevue , NE | 68005 | $22.6M |
| Vail Branch | Vail , IA | 51465 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2005 | Structure Change | Acquired West Side State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Westside State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 146 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131 applications, 129 loans originated, $26.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.2M approved, $292K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Westside State Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Westside State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Westside State Bank
What are Westside State Bank's total assets?
As of the Q2 2026 filing, Westside State Bank reported total assets of $268.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Westside State Bank headquartered?
Westside State Bank is headquartered in Westside, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Westside State Bank founded?
Westside State Bank was established in 1907, per the FDIC institution directory.
Is Westside State Bank FDIC-insured?
Yes. Westside State Bank is an FDIC-insured commercial bank (FDIC Certificate #18518). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Westside State Bank?
Westside State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Westside State Bank's CET1 capital ratio?
Westside State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.29% in its Q2 2026 call report, above regulatory requirements.
How many branches does Westside State Bank operate?
Westside State Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Westside State Bank's Texas Ratio?
Westside State Bank's Texas Ratio is 14.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Westside State Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Westside State Bank, freeFree account