WESTSIDE STATE BANK

WESTSIDE, IA | Small | Est. June 1, 1907, midnight | FDIC #18518 | RSSD #972143 | FDIC
Latest Report: 2025-12-31

WESTSIDE STATE BANK is asn small FDIC-insured commercial bank headquartered in WESTSIDE, IA, established in June 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $255M and total deposits of $188M. Profitability stands at 1.05% ROA and 13.32% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 10.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.64%. FDIC Certificate #18518.

Assets

$255M

Deposits

$188M

Loans

$227M

Equity

$20M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 13.32%
Net Interest Margin (NIM) 4.13%
Yield on Assets 6.93%
Cost of Funds 2.81%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.64%
NPA Ratio 0.05%
ACL / Loans 0.74%

Capital & Liquidity

CET1 Ratio 10.59%
Tier 1 Capital 10.59%
Total Capital Ratio 11.50%
Leverage Ratio 7.75%
Loan-to-Deposit 120.91%

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