Western State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western State Bank of Garden City, KS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.47% | 1.35% | -0.88% | 12th bottom |
| ROAE | 4.64% | 13.32% | -8.68% | 13th bottom |
| Net Interest Margin | 4.63% | 3.93% | +0.70% | 84th top |
| Efficiency Ratio | 42.35% | 61.15% | -18.80% | 93rd top |
| PPNR / Avg Assets | 2.66% | 1.68% | +0.98% | 92nd top |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 3.93% | 3.32% | +0.61% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.04% | 0.94% | +2.10% | 6th bottom |
| NPA / Total Assets | 2.02% | 0.70% | +1.32% | 7th bottom |
| NCO / Avg Loans | 2.54% | 0.15% | +2.39% | 1st bottom |
| ACL / Total Loans | 2.51% | 1.28% | +1.23% | 97th top |
| ACL / NPLs (Coverage) | 82.59% | 1539.91% | -1457.32% | 22nd bottom |
| Texas Ratio | 16.96% | 7.32% | +9.64% | 10th bottom |
| Provision / NCO | 132.26% | 1396.98% | -1264.72% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.78% | 19.51% | -5.73% | 37th below |
| Tier 1 Ratio | 13.78% | 19.54% | -5.76% | 37th below |
| Total Capital Ratio | 15.04% | 20.63% | -5.59% | 38th below |
| Leverage Ratio | 10.69% | 12.14% | -1.45% | 45th below |
| Equity / Assets | 10.25% | 11.38% | -1.13% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.24% | 11.09% | -0.85% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.23% | 80.64% | -6.41% | 63rd above |
| Core Deposit Ratio | 84.46% | 86.86% | -2.40% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.32% | 6.86% | -5.54% | 27th below |
| Loan Growth (Y/Y) | -2.17% | 7.91% | -10.08% | 14th bottom |
| Deposit Growth (Y/Y) | 0.46% | 6.29% | -5.83% | 26th below |
See Western State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Western State Bank profile, how to read a UBPR, or how this data updates.