Total Assets
$825M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$740M
Customer-funded liabilities
Net Loans
$530M
Outstanding loan book
Net Income
$19M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.42%
Return on Equity (ROE)
25.32%
Efficiency Ratio
42.16%
What the numbers say about The Western State Bank
The Western State Bank is an FDIC-insured institution (Certificate #21121) headquartered in Garden City, Kansas, established in 1973. It holds $825M in total assets - 1,233rd of 4,313 FDIC-insured banks, $740M in customer deposits, and $530M in net loans. Looking at capital strength, Tier 1 stands at 13.60%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.41%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, The Western State Bank ranks 25th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Kansas by total assets
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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Western State Bank's health grade?▼
The Western State Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Western State Bank?▼
The Western State Bank holds $825M in total assets and $740M in deposits, ranking 1,233rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Garden City, Kansas.
Is my money safe at The Western State Bank?▼
Yes, deposits at The Western State Bank (Certificate #21121) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Western State Bank's Tier 1 Capital Ratio?▼
The Western State Bank has a Tier 1 Capital Ratio of 13.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Western State Bank?▼
The Western State Bank has a Texas Ratio of 4.41%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Western State Bank?▼
The Western State Bank has an Efficiency Ratio of 42.16%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Western State Bank's profile as a depositor or analyst.
- The Western State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Western State Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.