FDIC Cert #21121 · Garden City, Kansas · Est. 1973

The Western State Bank - FDIC Bank Health Profile

A community-scale look at The Western State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$825M
Total assets
A
Health grade · Excellent
2.42%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

The Western State Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.60% Tier 1, profitable at 2.42% ROA, efficient (42% cost ratio).

#1,233
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
13.60%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 21121 · KS A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #357/4307
  • PHOTO-FINISH Crossroads Bank · IL
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 4.4% Texas
  • ROA-STRONG 2.42% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Crossroads Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Western State Bank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Crossroads Bank · IL · near95/100HCN Bank · CA · near95/100Premier Bank · MN · near95/100The Bank of Greene C… · NY ·…95/100The Western State Bank · KS …95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Western State Bank · July 2026

Call Report read for The Western State Bank in a high-failure state

The Western State Bank (FDIC Cert #21121) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #357 of 4,307. Tier 1 capital prints at 13.60%, clearing the 10% well-capitalized line. The Texas Ratio is 4.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.42%. Balance-sheet scale is $825M, 1,233rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Crossroads Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Western State Bank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

The Western State Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about The Western State Bank's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How The Western State Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
The Western State Bank's composite health score
Tier 1 Capital Ratio (13.60%) 35/40
Return on Assets (ROA) (2.42%) 25/25
Texas Ratio (4.41%) 20/20
Efficiency Ratio (42.16%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$825M

Total balance-sheet footings

Total Deposits

$740M

Customer-funded liabilities

Net Loans

$530M

Outstanding loan book

Net Income

$19M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.2% 13.6% 15%
Basel III capital ratios - The Western State Bank

Where The Western State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Western State Bank's score of 95/100 falls in the highlighted band.

The Western State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 8% higher than 92% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The Western State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Western State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Western State Bank's $825M falls in the highlighted band.

Capital & credit buffers at The Western State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.60%
Texas Ratio
4.41%
Equity Capital
$82M

What these ratios mean →

Earnings posture at The Western State Bank

Return on Assets (ROA)
96th percentile nationally
2.42%
Return on Equity (ROE)
25.32%
Efficiency Ratio
42.16%

What these mean →

Income & expense at The Western State Bank

$50M
Interest Income
$3M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Western State Bank reports a Texas Ratio of 4.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Western State Bank on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($825M here), outside Kansas so the neighborhood is not state containment.

CIBM Bank $825M · IL DMB Community Bank $827M · WI First Resource Bank $827M · MN BankIowa $824M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Western State Bank (FDIC Cert #21121) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Western State Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%