WESTERN STATE BANK

GARDEN CITY, KS | Medium | Est. June 19, 1973, midnight | FDIC #21121 | RSSD #988153 | FDIC
Latest Report: 2025-12-31

WESTERN STATE BANK is amn medium FDIC-insured commercial bank headquartered in GARDEN CITY, KS, established in June 19, 1973, midnight. As of 2025-12-31, the bank reported total assets of $825M and total deposits of $740M. Profitability stands at 2.37% ROA and 23.88% ROE, with a net interest margin of 4.82%. The bank's CET1 capital ratio is 13.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 4.41%. FDIC Certificate #21121.

Assets

$825M

Deposits

$740M

Loans

$543M

Equity

$82M

Profitability

Return on Assets (ROA) 2.37%
Return on Equity (ROE) 23.88%
Net Interest Margin (NIM) 4.82%
Yield on Assets 6.73%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.41%
NPA Ratio 0.50%
ACL / Loans 2.25%

Capital & Liquidity

CET1 Ratio 13.60%
Tier 1 Capital 13.60%
Total Capital Ratio 14.86%
Leverage Ratio 10.59%
Loan-to-Deposit 73.38%

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