Western State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 97.16 percentage points lower than in Q1 2026, at 82.59%. Western State Bank has the 8th lowest return on assets of the 182 banks headquartered in Kansas, at 0.47% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Western State Bank reported 0.47% on return on assets in Q2 2026, 0.79 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.78% |
| Tier 1 risk-based capital ratio | 13.78% |
| Total risk-based capital ratio | 15.04% |
| Tier 1 leverage ratio | 10.69% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.04% |
| Non-performing assets ratio | 2.02% |
| Net charge-off ratio | 2.54% |
| Texas ratio | 16.96% |
| Allowance for credit losses to loans | 2.51% |
| Reserve coverage of non-performing loans | 82.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 4.64% |
| Net interest margin | 4.63% |
| Efficiency ratio | 42.35% |
| Yield on earning assets | 6.30% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.23% |
| Core deposits to total deposits | 84.46% |
| Brokered deposits to total deposits | 1.43% |
| Deposits to assets | 89.41% |
| Securities to assets | 31.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.93% | 12.93% | 14.18% | 10.62% | 2.16% |
| Q4 2023 | 12.11% | 12.11% | 13.37% | 10.35% | 1.76% |
| Q1 2024 | 12.36% | 12.36% | 13.62% | 10.25% | 1.94% |
| Q2 2024 | 12.45% | 12.45% | 13.70% | 10.65% | 2.70% |
| Q3 2024 | 13.45% | 13.45% | 14.71% | 10.67% | 2.47% |
| Q4 2024 | 13.25% | 13.25% | 14.51% | 10.50% | 2.28% |
| Q1 2025 | 13.61% | 13.61% | 14.87% | 10.56% | 2.35% |
| Q2 2025 | 13.34% | 13.34% | 14.60% | 10.53% | 2.43% |
| Q3 2025 | 13.71% | 13.71% | 14.97% | 10.65% | 2.44% |
| Q4 2025 | 13.60% | 13.60% | 14.86% | 10.59% | 2.36% |
| Q1 2026 | 13.68% | 13.68% | 14.94% | 10.63% | 2.39% |
| Q2 2026 | 13.78% | 13.78% | 15.04% | 10.69% | 0.47% |
Western State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Western State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Western State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21121) · FFIEC NIC profile (RSSD 988153)