# WESTERN STATE BANK
GARDEN CITY, KS · FDIC certificate 21121 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $802.1M | |
| Deposits | $717.2M | |
| Loans and leases | $532.4M | |
| Total equity | $82.2M | |
| Loans / deposits | 72.36% (p29 of band) | 82.04% |
| Liquid assets / assets | 33.24% (p72 of band) | |
| Uninsured deposits / deposits | 34.77% (p78 of band) | 25.97% |
| Brokered deposits | 1.28% | |
| Wholesale funding | 1.28% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.69% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -5.70% (p59 of band) | -8.10% |
| AOCI / equity | -0.48% (p43 of band) | |
| ROA (annualized) | 1.43% (p60 of band) | 1.28% |
| Net interest margin | 4.48% (p81 of band) | 3.91% |
| Efficiency ratio | 43.24% (p8 of band) | |
| Noncurrent loans | 3.04% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.87% (p98 of band) | |
| Reserve coverage of noncurrent | 82.59% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 5.69% (p10 of band) | |
| Auto loans | $5.3M (1.00% of loans; DQ 2.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | deposits shrinking, assets shrinking |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | assets shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | deposits shrinking |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | charge-offs p90, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling, charge-offs p90 |  |
| 2024-06 | 0 |  | capital falling, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-28 [Garden City, Western State Bank unite to boost housing access - KSN.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPY3ZpVUNELUthQ09FdUNOS0Z2clRPWWdNZW5oYWZaSE83SndQYnJ6NEpqQjdTYzU2VkNoZVVWMFlLd3BVajE4YkJfeTVHbXZfTWJwUnRKWWNvZW9fUDBmc0NjcWh6MlN0bmdCQU0wRjc2eEVmVkRVR3hySUh6ZzZTM1ZsS0JCMkFrRVJDUlBwbnBrQWJVdUV5WXBpNURvLXNkZTE00gGoAUFVX3lxTE1OUWNpV3djZ25pcDhOeEh1MHM2emQxYThEZlFWb1pMVGtiTXFmTEVyRlRpOF9sSEFzS0JqNHJreEpHRzF3clB5ejF0b1dDYkRRRHpiYkxHQUpncVB2YTljTDhtanhua3lRN1pVZks1Q3AyVHBlN09iQ2UyLVFZU20wSHNFWDlMMy16TWxURm5pbHlyRVRORlQtbERwNG1QanVTMjU3QkJsOA?oc=5) · KSN.com
- 2026-03-26 [Southwest District livestock judging contest held - High Plains Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZi1hejJHeTR1Y3RKdFF0VXRkUENsZS0yYjRQS2RVTHBqLVE2NmhBRWdMbHMtNjltV3ZIUXRZQlpkaDZrTjN0a04zLXQxU1d1aHR5U09RWElFR01OMENpMjVRTnpzQWV3cFl5VkE1LVRuS1BfU2dWU1dUczRXUnJmS0xn?oc=5) · High Plains Journal
- 2025-10-28 [‘Local Roots Loan Program’: Affordable housing partnership announced in Garden City - KWCH](https://news.google.com/rss/articles/CBMirwFBVV95cUxNOW5OTHo3cTNCR0JSVjZ6TlhqWk1JWWw5QVBRd3RxYWdKekJqdm5GYURRYy1jQ1VVY0VRaEJfam5tLUJaSVdsSmZhRXdJbHh4MjUyR2dsb2FmZWg5N2FXRU8zZE10S0Q0VEFLRU55NVNiTWxSUzVLTjV2dFd1WUhycVNqX1hhV00tdWkxa1N2a054RUZNbkozdk1rNjBWR1lxemtIbDk4X284VWdQbmdr0gHDAUFVX3lxTE5wbHhhSVpTYVdESDZ3eU15M2NkOHFJcG5yS1BkcVpyQU5QMTZ3Wl9HS3JRZkV3YWVKZ0x6QnFEU0tobXRCSkdJS1paZWZxcXoxdXV0WHlMVHg2UXp0eGg4Y250Q3pMZ3ZGQUtYdWRpNFpsSy1aMUhPRUR4QTZTU2pkLU9vYlJsUHB5V044NmpFSlBqVE90VUVVajdGVVZjOEhxeXlFWnFlSmdMWXhnX2dfdjJFcDJuMVZOd25WR3o5M3NEdw?oc=5) · KWCH
- 2016-07-20 [4th Employee Pleads in Western State Bank Embezzlement Case - KSCB Radio News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQNWhIWklEa2JSZ1I5MkdCWnNIc0NBbExoS1pGSndwOE5XWUpLU3JXQ2JsNkU5eXhUU0JCYTdKb0N0NzNvU2YxblJLQjBOaEtrb2Y4SkN6N0RMdXBfckdGQld5MWJzU1N0OF82X2wwTVJmZ0ZYQTlQN3MxQXZDZ2tPMUhnVXRncEpvdjVjMnl3?oc=5) · KSCB Radio News
- 2018-08-03 [Former Kansas teller pleads guilty to staging bank robbery - KMBC](https://news.google.com/rss/articles/CBMimwFBVV95cUxQd1RvRXE5SFF3WjczZkx4TWdfYVdic2p5NmpWVWxwbnRCNmZLNjlYYzd2VEFfdm9ZNDhmc25FSEx6d2syaldXclVybU5kS2NwYkEtdWlwTmZpOGdLeHBvczZSd1lDQWdQUVZJTTM2WlhYSXNfcGdobW12Uk95ZU1ZeU1PSUxpaDhsczd6U3JwRjNvY2hrWXR3aWl0OA?oc=5) · KMBC
- 2021-05-27 [Bell Bank opens new Biltmore-area branch; Western State Bank eyes new North Phoenix location - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcEdLdC0tc1lJNVNtYTV6N2xHVDExVG1TWEVhOHJVcm5HMTkxb2w0bnA4ZEJtUzdWRmFRaHgyVmVYMW5xSkxNdlROeWdLYzg1d3BEbW8waG1sOHdDbDAzbVpBc2NJYzhFTmlfb1B0aW1IRnlDOUJxVERUWmk1YzFXNklzQjJTZ0NvTDRiVldPOFF2SWplZHkzN1NfbXQ1TUhDWDRTRg?oc=5) · The Business Journals
- 2018-11-01 [Judge: It's Too Late To Open A Second Polling Place In Dodge City - KCUR](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNa2xhSEtzLUFFNENJNS1iUnJOZEFSdkk3a29VUDdCTDZZd2d1TU9wNGt0aHJqSlB6eEhsOHExYTNQTVkyNFdEVUtNa0c5WkhQbTFIaThsc1hUR3dkSDVGOVFsNkNnQ1U4ZTFpV0NjbDFyVzRlX3BndEhueUViWTFfN3JTTmphaU1OUFhSNW9TQWMtamlTb1RUeUVGV1Y3MFhITV9pbTRwWG50TS1sUWtkYW11SVJ4akhtXzl2eFg0bkV1SnpjQkNISw?oc=5) · KCUR
- 2019-04-03 [Experienced lenders join Alamosa State Bank - The Monte Vista Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRVozbjh0RzNjZ2RvRnVTWkljZWV4VEVQSzlsMENsUE4wSmxmQnlKeTB6OWxDSEdJUmczQU96RU5GWHVrT2gxQ0liUnUyOU1YV2R4Uk02czQtN0piNmd3aE92Tk03TEpSMTRhSzc0bi1zZHFQWkVhbXJFTHI5dldlb0t0OVpuSW1hb0dZWXpDTlFsVENIY2c?oc=5) · The Monte Vista Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21121 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "21121", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide