Western State Bank (Garden City, KS): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Western State Bank. Its balance sheet stood at $802 million at June 30, 2026, up 1.3% from a year earlier; it is based in Garden City, Kansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.04% of loans from 0.66% a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it carries problem assets equal to 17.0% of the capital and reserves that would absorb them, 6.4 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $947,000 was 80% below a year earlier. Delinquency has appeared in its $130 million commercial and industrial book: 8.44% of those loans are past due or on nonaccrual, against almost none a year earlier. Profitability lags: it earns about $0.47 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Western State Bank reported a CET1 capital ratio of 13.78%, a return on assets of 0.47%, a nonperforming-loan ratio of 3.04% and a Texas ratio of 16.96%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1500 E Kansas Ave, Garden City, KS 67846
- County
- Finney
- Metro Area
- Garden City, KS
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 19, 1973
- Offices
- 9 domestic
- Employees (FTE)
- 124
- Domestic deposits
- $717.2M
- Allowance for credit losses
- $13.4M
- Net charge-offs (YTD)
- $3.6M
- Average total assets
- $810.3M
- Average total loans
- $535.0M
- Average interest-bearing deposits
- $556.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 19, 1973
- FDIC Cert
- 21121
- Fed RSSD
- 988153
- Website
- http://www.wsbks.com →
- Parent Holding Company
- WHITCORP FINANCIAL COMPANY (RSSD 1051979)
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 Western State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Western 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Western 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.
Metric pages for Western State Bank: Texas 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 | 13.78% | 0.47% | 3.04% | 16.96% | 4.63% |
| Q1 2026 | 13.68% | 2.39% | 1.27% | 7.38% | 4.55% |
| Q4 2025 | 13.60% | 2.36% | 0.76% | 4.41% | 4.68% |
| Q3 2025 | 13.71% | 2.44% | 0.61% | 3.62% | 4.78% |
| Q2 2025 | 13.34% | 2.43% | 0.66% | 4.22% | 4.68% |
| Q1 2025 | 13.61% | 2.35% | 0.70% | 4.48% | 4.39% |
| Q4 2024 | 13.25% | 2.28% | 0.73% | 4.84% | 4.48% |
| Q3 2024 | 13.45% | 2.47% | 0.40% | 2.51% | 4.61% |
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 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Western State Bank | Garden City , KS | 67846 | $222.1M |
| Goodland Branch | Goodland , KS | 67735 | $121.8M |
| Leoti Branch | Leoti , KS | 67861 | $112.9M |
| Dodge City Branch | Dodge City , KS | 67801 | $100.0M |
| Scott City Branch | Scott City , KS | 67871 | $66.7M |
| Colby Branch | Colby , KS | 67701 | $55.0M |
| St Francis Branch | Saint Francis , KS | 67756 | $38.7M |
| West Branch | Garden City , KS | 67846 | $0 |
| North Main Branch | Garden City , KS | 67846 | $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 |
|---|---|---|---|
| April 12, 2003 | Structure Change | Acquired Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 23, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 23, 1999 | Structure Change | Acquired The First State Bank of Leoti Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 1990 | Structure Change | Acquired Valley Savings, a Federal Savings and Loan Association Hutchinson Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Western 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
- 0.7% of deposits in KS, rank 31 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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.
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Frequently asked about Western State Bank
What are Western State Bank's total assets?
As of the Q2 2026 filing, Western State Bank reported total assets of $802.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Western State Bank headquartered?
Western State Bank is headquartered in Garden City, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Western State Bank founded?
Western State Bank was established in 1973, per the FDIC institution directory.
Is Western State Bank FDIC-insured?
Yes. Western State Bank is an FDIC-insured commercial bank (FDIC Certificate #21121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western State Bank?
Western 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 Western State Bank's CET1 capital ratio?
Western State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Western State Bank operate?
Western State Bank operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western State Bank's Texas Ratio?
Western State Bank's Texas Ratio is 16.96% 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.
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