Western State Bank (Garden City, KS)
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Data as of · sourced from FFIEC call reports. How we update
Western State Bank is an FDIC-insured commercial bank headquartered in Garden City, KS, established in 1973 (FDIC certificate 21121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $802.1M, up 1.3% from Q2 2025, the 26th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.78% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21121
- Headquarters
- Garden City, KS
- Established
- 1973
- Total assets, Q2 2026
- $802.1M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 13.78%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 101102865
- Holding company
- WHITCORP FINANCIAL COMPANY
- Asset rank in state
- 26th of 182 in Kansas
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Western State Bank is the 26th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 2.7% to $802.1M, loans fell 2.0% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.3% of total loans, ahead of agricultural production loans at 22.5%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in KS; its Garden City 3 offices book 31% of its branch deposits. By the capital ratios in its Q2 2026 call report, Western State Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 9 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Western State Bank's total assets ran between $660.5M (Q3 2023) and $825.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$802.1M total assets against $791.7M; $719.9M total liabilities against $718.0M.
$519.0M net loans and leases against $532.6M; $717.2M total deposits against $713.9M.
$250.4M securities against $218.2M; $16.2M cash and balances due against $23.7M.
$12.2M total interest income against $12.4M; $3.3M total interest expense against $3.7M.
$8.9M net interest income against $8.8M.
$675K total noninterest income against $646K; $4.2M total noninterest expense against $3.9M.
$4.4M provision for credit losses against $300K.
$947K net income against $4.8M.
0.47% return on assets against 2.43%; 4.63% net interest margin against 4.68%.
13.78% CET1 capital ratio against 13.34%; 10.69% tier 1 leverage ratio against 10.53%.
Inside the full Western State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 245 of 3,640, for Texas Ratio; its furthest is 3,278 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.47% (Q2 2026) to 2.47% (Q3 2024) and its net interest margin ran from 4.39% (Q1 2025) to 4.78% (Q3 2025).
| 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
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 31 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Western State Bank headquartered?
It is headquartered in Garden City, KS, United States.
When was Western State Bank founded?
It was established in 1973, per the FDIC institution directory.
Is Western State Bank FDIC-insured?
Yes. It 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.
What is Western State Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 16.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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