Bank call report · Devils Lake, ND
Western State Bank Call Report
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Western State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 308 reported line items, schedule by schedule (412 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 233554 |
| FDIC certificate number | 9123 |
| Total assets | $2.49B |
Official Q2 2026 call report PDF (FFIEC) →
Western State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Western State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.49B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.49B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.25B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.21B |
| Total Liabilities and Minority Interest | RCON2948 | $2.15B |
| Total Deposits | RCON2200 | $2.11B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.68B |
| Deposits: Noninterest-bearing | RCON6631 | $428.4M |
| Total Equity Capital | RCON3210 | $332.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $332.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $293.9M |
| Interest-bearing Balances | RCON0071 | $121.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $70.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $40.4M |
| Surplus | RCON3839 | $38.4M |
| Other Liabilities, Total | RCON2930 | $38.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $32.6M |
| Other Assets | RCON2160 | $28.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $19.2M |
| Other Borrowed Money | RCON3190 | $5.3M |
| Loans and Leases Held for Sale | RCON5369 | $2.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.1M |
| Intangible Assets | RCON2143 | $980K |
| Common Stock | RCON3230 | $900K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $138K |
Schedule RI: Income Statement (46 items)
About Schedule RI · Western State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $93.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $86.3M |
| Net Interest Income | RIAD4074 | $65.5M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $55.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $34.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $34.0M |
| Total Noninterest Expense | RIAD4093 | $33.4M |
| Total Interest Expense | RIAD4073 | $27.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $25.5M |
| Net Income (Loss) | RIAD4340 | $25.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $25.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $22.8M |
| Salaries and Employee Benefits | RIAD4135 | $21.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $12.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $10.5M |
| Other Noninterest Expense | RIAD4092 | $9.8M |
| Applicable Income Taxes | RIAD4302 | $8.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.1M |
| Total Noninterest Income | RIAD4079 | $5.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5.0M |
| Provision for Loan and Lease Losses | RIAD4230 | $3.8M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $3.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $3.5M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $2.4M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.3M |
| Income from Lease Financing Receivables | RIAD4065 | $2.2M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.1M |
| Other Noninterest Income | RIADB497 | $1.1M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.0M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.0M |
| Noninterest income: Income from insurance activities | RIADHT74 | $640K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $582K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $460K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $310K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $258K |
| Net Servicing Fees | RIADB492 | $171K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $120K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $88K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $84K |
| Other Interest Expense | RIADGW44 | $74K |
| Other Interest Income | RIAD4518 | $70K |
| Interest on Other Securities | RIAD4060 | $18K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $13K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $13K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 326 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · Western State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $14.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $13.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $71.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $35.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $35.5M |
| Pledged Securities | RCON0416 | $25.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $25.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $24.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $11.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $10.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $9.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $9.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $8.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $1.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $1.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $240K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $211K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $127K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · Western State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.25B |
| Commercial and Industrial Loans | RCON1766 | $1.26B |
| Pledged Loans and Leases | RCONG378 | $927.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $797.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $729.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $442.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $438.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $253.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $241.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $165.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $165.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $151.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $146.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $107.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $44.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $42.1M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $37.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $36.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $35.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $29.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $29.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $27.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $20.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $17.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $17.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $7.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $6.7M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $3.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $605K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $516K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $413K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $135K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $135K |
| Other Loans | RCONJ464 | $100K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $368.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $362.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $310.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $59.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $10.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $7.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $5.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $3.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $159K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 15,094 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 3,161 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 1,193 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 145 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 61 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 44 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 41 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 31 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 24 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 14 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 10 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Western State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.41B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.37B |
| Total Transaction Accounts | RCON2215 | $698.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $643.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $542.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $518.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $428.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $330.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $314.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $283.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $270.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $249.1M |
| Total reciprocal deposits | RCONJH83 | $231.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $188.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $174.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $136.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $136.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $74.6M |
| Total Brokered Deposits | RCON2365 | $74.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $74.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $50.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $48.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $40.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $36.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $31.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $25.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $17.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $17.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $4.6M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $4.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.2M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $30K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $17.6M |
| Accrued Interest Receivable | RCONB556 | $4.6M |
| Net Deferred Tax Assets | RCON2148 | $3.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.5M |
| Prepaid Expenses | RCON2166 | $2.3M |
| Other Repossessed Assets (Net) | RCON1578 | $2.3M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $25.3M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $10.1M |
| All Other Liabilities | RCON2938 | $1.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.0M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $916K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $353K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Western State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.53B |
| Quarterly Average of Total Loans | RCON3360 | $2.23B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.23B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $774.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $663.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $618.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $305.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $267.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $149.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $130.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $56.0M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $39.9M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $25.9M |
| Mortgage-backed Securities | RCONB559 | $12.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $10.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $5.3M |
| All Other Securities | RCONB560 | $1.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Western State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $392.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $25.4M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $23.2M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $554K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Western State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $5.2M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.3M |
| Mortgage Servicing Assets | RCON3164 | $979K |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $127K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $127K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $41K |
| All other intangible assets | RCONJF76 | $1K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Western State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $20.1M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $12.1M |
| Additions to Nonaccrual Assets | RCONC410 | $9.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $7.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $5.6M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $5.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $3.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $2.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $1.1M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $273K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $255K |
| Lease Financing Receivables - Nonaccrual | RCON1228 | $246K |
| Lease Financing Receivables - Past Due 30-89 Days and Still Accruing | RCON1226 | $89K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $47K |
| Lease Financing Receivables - Past Due 90 Days or More and Still Accruing | RCON1227 | $18K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $3K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Western State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.53B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.12B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.07B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.01B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $466.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $329.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $31.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $5.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 35,878 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,272 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,082 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 14 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)
About Schedule RC-R, Part I · Western State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.53B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.53B |
| Total Assets | RCOA2170 | $2.49B |
| Common Equity Tier 1 Capital | RCOAP859 | $333.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $333.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $333.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $332.1M |
| Retained Earnings | RCOAKW00 | $293.9M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $204.1M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $203.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $39.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $554K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1318 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0821 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $332.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $309.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $309.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.7M |
| Other Comprehensive Income | RIADB511 | -$458K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Western State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $4.6M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $4.5M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1.6M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1.6M |
| Charge-offs on Lease Financing Receivables | RIAD4266 | $108K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $9K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1K |
| Recoveries on Lease Financing Receivables | RIAD4267 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Western State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $40.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $39.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $4.6M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$108K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.25B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $1.33B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $586.7M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $190.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $134.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $40.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $28.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $10.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $9.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $801K |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $697K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $56K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $301.0M |
Western State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Western State Bank call report?
The Western State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Western State Bank file?
Western State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Western State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Western State Bank has Federal Reserve RSSD ID 233554 and FDIC certificate number 9123. Either one finds its filings on the FFIEC Central Data Repository.
How often does Western State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Western State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 9123) · FFIEC NIC profile (RSSD 233554)