Western State Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q3 2026 filing, Western State Bank reported 8 of the 9 line items on this page. It did not report foreign exchange derivatives, notional. Unused home equity and credit card lines was $25.4M in Q3 2026, up 4.0% from $24.4M in Q3 2025. That is 1.0% of its total assets. Across the 12 quarters shown it ranged from $22.3M (Q2 2024) to $25.4M (Q2 2026).
Total derivatives, notional climbed 11.0% in Q3 2026, from $23.2M to $25.8M. It was the largest change from Q2 2026 among the key lines here.
Commitments
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $25.4M |
| Letters of credit | $538K |
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Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $25.8M |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | — |
| Derivatives notional to total assets | 1.03% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $22.6M | $1.1M | 3.85% |
| Q1 2024 | $22.7M | $560K | 0.76% |
| Q2 2024 | $22.3M | $852K | 0.68% |
| Q3 2024 | $22.8M | $2.1M | 0.85% |
| Q4 2024 | $22.7M | $2.1M | 0.62% |
| Q1 2025 | $23.5M | $2.0M | 1.16% |
| Q2 2025 | $23.8M | $1.6M | 1.71% |
| Q3 2025 | $24.4M | $656K | 1.26% |
| Q4 2025 | $24.2M | $656K | 1.18% |
| Q1 2026 | $24.1M | $554K | 1.34% |
| Q2 2026 | $25.4M | $554K | 0.93% |
| Q3 2026 | $25.4M | $538K | 1.03% |
Western State Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Western State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 9123) · FFIEC NIC profile (RSSD 233554)