What is The Western State Bank's financial health grade?

The Western State Bank has a TFS Financial Health Grade of B- (score: 81.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Western State Bank have?

The Western State Bank has 9 branch locations across the United States.

Is The Western State Bank FDIC insured?

Yes, The Western State Bank is FDIC insured (Certificate #21121).

What are the total assets of The Western State Bank?

The Western State Bank has total assets of $825.4M as reported in its most recent FDIC filing.

The Western State Bank

BankGarden City, Kansas

http://www.wsbks.com

Total Assets

$825.4M

Total Deposits

$739.5M

Branches

Established

1973

TFS Health Grade

B-

81.0 / 100

Good financial health

How we grade

The Western State Bank is a bank headquartered in Garden City, Kansas, established in 1973. With $825.4M in total assets and 9 branch locations, it has a TFS Financial Health Grade of B- (81.0/100).

Capital & Safety

Tier 1 Capital Ratio

10.59%(8%)

Total Capital Ratio

14.86%(10%)

Non-Performing Loan Ratio

0.77%

Profitability

Return on Assets (ROA)

2.42%(1%)

Return on Equity (ROE)

25.32%(10%)

Net Interest Margin

4.60%

Efficiency Ratio

42.16%(60%)

Lending & Liquidity

Total Loans

$542.6M

Loan-to-Deposit Ratio

71.72%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+7.63%

Deposit Growth (YoY)

+7.71%

Net Income

$19.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Western State BankHQ	1500 E Kansas Ave	Garden City	KS	11
The Western State Bank	1750 S Range Ave	Colby	KS	11
The Western State Bank	2121 N 14th Ave	Dodge City	KS	11
The Western State Bank	409 W Kansas Ave	Garden City	KS	23
The Western State Bank	602 N Main St	Garden City	KS	23
The Western State Bank	815 Center Ave	Goodland	KS	11
The Western State Bank	102 S 2nd St	Leoti	KS	11
The Western State Bank	400 E Washington St	Saint Francis	KS	11
The Western State Bank	1425 S Main St	Scott City	KS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.