Westside 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.
Loan-to-deposit ratio dropped 9.12 percentage points in Q2 2026, from 121.97% to 112.85%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Westside State Bank is 161st of 225 on return on assets, 1.14% as of Q2 2026. Westside State Bank reported 1.14% on return on assets for Q2 2026, 0.11 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.29% |
| Tier 1 risk-based capital ratio | 12.29% |
| Total risk-based capital ratio | 13.32% |
| Tier 1 leverage ratio | 8.82% |
| Equity capital to assets | 9.00% |
| Tangible equity to tangible assets | 8.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.57% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 14.57% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 53.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 13.72% |
| Net interest margin | 3.89% |
| Efficiency ratio | 62.48% |
| Yield on earning assets | 6.44% |
| Cost of funds | 2.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.85% |
| Core deposits to total deposits | 82.03% |
| Brokered deposits to total deposits | 7.24% |
| Deposits to assets | 77.56% |
| Securities to assets | 4.86% |
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 | 10.35% | 10.35% | 11.12% | 7.70% | 1.03% |
| Q4 2023 | 9.72% | 9.72% | 10.48% | 7.28% | 0.78% |
| Q1 2024 | 10.10% | 10.10% | 10.84% | 7.73% | 0.92% |
| Q2 2024 | 9.47% | 9.47% | 10.18% | 7.34% | 0.71% |
| Q3 2024 | 10.01% | 10.01% | 10.73% | 7.59% | 1.02% |
| Q4 2024 | 10.16% | 10.16% | 10.84% | 7.40% | 1.01% |
| Q1 2025 | 10.31% | 10.31% | 11.02% | 7.63% | 1.20% |
| Q2 2025 | 10.41% | 10.41% | 11.13% | 7.81% | 1.34% |
| Q3 2025 | 10.51% | 10.51% | 11.24% | 7.70% | 1.53% |
| Q4 2025 | 10.59% | 10.59% | 11.50% | 7.75% | 1.04% |
| Q1 2026 | 10.71% | 10.71% | 11.67% | 7.92% | 1.25% |
| Q2 2026 | 12.29% | 12.29% | 13.32% | 8.82% | 1.14% |
Westside State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Westside 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 Westside State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18518) · FFIEC NIC profile (RSSD 972143)