# WESTERN STATES BANK
LARAMIE, WY · FDIC certificate 58395 · asset band $300M-1B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $535.3M | |
| Deposits | $480.8M | |
| Loans and leases | $351.1M | |
| Total equity | $53.3M | |
| Loans / deposits | 71.70% (p56 of band) | 68.49% |
| Liquid assets / assets | 31.55% (p39 of band) | |
| Uninsured deposits / deposits | 28.96% (p56 of band) | 27.18% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.06% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.61% (p47 of band) | 9.74% |
| Unrealized securities loss / equity | 0.22% (p59 of band) | 0.00% |
| AOCI / equity | -2.34% (p45 of band) | |
| ROA (annualized) | 0.83% (p25 of band) | 1.15% |
| Net interest margin | 3.68% (p73 of band) | 3.31% |
| Efficiency ratio | 73.56% (p79 of band) | |
| Noncurrent loans | 0.87% (p78 of band) | 0.31% |
| Net charge-offs (annualized) | 0.03% (p74 of band) | |
| Reserve coverage of noncurrent | 208.95% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 54.42% (p66 of band) | |
| Auto loans | $1.2M (0.34% of loans; DQ 1.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 96 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, assets shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 1 | charge-offs p90 | deposits shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |

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

- 2016-01-07 [Western States Bank merges with Wyoming bank - The Coloradoan](https://news.google.com/rss/articles/CBMirAFBVV95cUxOc1E0SFRXaGxpREx6d0ZZYW90bHFzZ0Jidk1qdTNReGJYcEoyd0hmcm5ydTZKZzlIeFB3dS1kdTAzQ1lPS3kwSGpzT0hYTjd4OVBFemlzcDQyblZlX2tzSUtoMVg1M0QyUkJ0d3JSWVdaV283QkdzX3JYYjJ6WXpyQ29SRDZ2YlYyVG9mdmE5ekN0bGZzRDRVV2J0aWk1d3oyMkliR1F4bWRFX3pH?oc=5) · The Coloradoan
- 2022-02-15 [Laramie-based Western States Bank sold to First National Bank - WyomingNews.com](https://news.google.com/rss/articles/CBMioAJBVV95cUxQRmdwbldVS2FjdFJpWFFMOXRRV3gzX21lWkd1aHJQT0hfblVPMktRclJKNnNxTG00T3V5c18wWFBOR0VkSVJQMk5wcHZROGxicjhlNFlwVU9uSWYyTk5wNFlSVDlhZW1pUHpCS3FJblRYSmxTNFZGNnFUQUFwbjNaSjlGOTR3eGgzOVkxaHlmS1V5T3k5TGRDeGV6N2Zsb1VrVGItUkhSQjkzcTJJc2Z2VWVQTEIwMWJRTG9ndmdlRjB1QWZxVFhyUzN2c2FqZTVsTC1BMVZiSFlkeV9wcFlqRkpvek5yQzVDN21TWUg0ek1MOTRJNjdhZEdIQ05BYVJZY3R2bjl4VG1EVEtJS05KcUtJQ2YxWTdtTjdZRjN2bm8?oc=5) · WyomingNews.com
- 2021-11-22 [First National Bank of Omaha acquires Western State Bank - WOWT](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVnNIdnAzOW9sT2VqN292WDBnbW1QZ25vVDREZGxOUmlMWkxrd2tBMzlBMTdZbTA4VGYycEczWk84ZGN2Nlltc0xLRHBYTjFkRlc3VUhxVnpFNFBRQ1lDWGF4U092X290MF9RRFBjM1g1azdyZXRHSm1FaEQ0N2xaOHdZa2RZX0ZrVGJVMENjONIBowFBVV95cUxONkR0X3J3REN5aHRDekJjbFloNDNaMFRVMFFyZFZmX0Rqd0kwWV9nbzA1VDJXWFAzLXJjTmE1ekVIbG1xT3phcmxsN1FyVUZpRFdqdUl1X18xMEU2UDMzVTRtNGNqcHoxcjlWWGJlTlRqdk45VGF6WXAtbmdaR19taTJBbTNSMlhNTV80NVFGMkIwX21Pa0xPSDB3eW1Fb213bkZz?oc=5) · WOWT
- 2021-11-23 [FNBO Expands Through Western States Bank Acquisition - 91.5 KIOS-FM Omaha Public Radio](https://news.google.com/rss/articles/CBMikwFBVV95cUxOaklOMHQ2MElaUTY2a0R5bWN2RVMxd3FSalBUSndVempTMFZSaWt0aWUtWmY1cDZoME9QU3ljMUs3dEFGanR2WFBGU0Z0ZVZzR3M4dFFXUWFoN09GZHdVclV3SHJNeFpCUWl4YmptNFJQWGoxcVFvSHFMOEFpcjZUMk1HVEx0Y0tYeldIN0E1S0hGalE?oc=5) · 91.5 KIOS-FM Omaha Public Radio
- 2018-01-22 [Western states bank executives to speak at E2e meeting in Laramie - WyomingNews.com](https://news.google.com/rss/articles/CBMinwJBVV95cUxPdmZnNXI1ZTd0akkwMWwzSEp3Z1g3eWFfbExrNExHMktvRVZKUE5HYWR0eUhsZU9JeG9YbmhkRzRuS19lZHZvb1VvUXQyTm9yeF9TRGZNNENnNV9nc09oblJtaXo1cW53cGx0YmdDc1NGTTJ2VzFqTkU2VDNkQ1VLOHFpNW53LUgtalpDOFMxOFE2VXJXRHE2NnhvUXNHeDRCbWpZblY1SFFndXExS0dodVpBcXpadlRZam9aaXlwTzZZcmJPTWZOdTBZRnkyRVFDMVFRc1BrV2wxZEtTSmoyNHRTVGp4a3Rkb01fYXcyeGRQY2ljb283SlFyRVctS0J6TDFRYWRIbzFNUkFQRnQwMi1VRjJGRDc2cExuRFR1MA?oc=5) · WyomingNews.com
- 2016-06-24 [Western States completes bank merger - The Coloradoan](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNNDB3Nl92RmlKZW90VmdqNDd4VjVFdW53YkMyWHB2TnQ3Vm1wMTA3YVRhNEIzazJ6VmZkSUFkeE1LVVBUdnhqUHdaUTlaSF9WdzBldWlrcWFpX3dpYWZERFhWUlpQT3VxZDg5dDZlV004bkIxWlk4dFhoSlhMbVhxejBoalZNazYxWC1XMUFva2gwTlEwUUdHWWoxX0tjZGpmcTdaQWRqbVI?oc=5) · The Coloradoan
- 2024-05-03 [Gary Crum Announces Run For Wyoming State Senate - Laramie Live](https://news.google.com/rss/articles/CBMifkFVX3lxTE41NC1wdVhLbHVTQ05WVWNvVnhYSHU5SEZ6RUxSaUpnS0xzbG9fTDk2YmM2UDBfZFQtYmlMSHo1WDFiZ2FDODRSa1dsS1ExTXI3SGtma3Noa1FoMWhBamRYUFZVU2tPWmJJaG4xelZ6MXBJN2FQdkIzeVFGaEJiZw?oc=5) · Laramie Live
- 2018-05-30 [Western States Bank CEO Gary Crum honored as University of Wyoming Distinguished Alum - WyomingNews.com](https://news.google.com/rss/articles/CBMiwAJBVV95cUxNX01XbHhLY1NtbEkzMDBGR2VjR3l1d1VsY3RkelRMa3hXQ1gxRDM4WVFfS3NYbDNUN2daX2EybEJkZ3ROeXZUZXNMVDRySXN3WXcxNjFhbDVpOUNUTlBLNGkyUmFQSWlQQW91OWFmcngteEpPUHpaQm4xaGc4a2VrV3o2ZzJXRVh5Ykp1OWNDU3AxYldrWHZ6RXlueWVpOGFpUHlTT2R2ZUNNVEJTZG9ZUlI4dDR2SWpKZWtLTnY1OWhqMDNIRmc2SUdhbmVRMmJPZF9ZSTRENzUwRXhaaS00T3RuU0JsZXVhLVcwOUlJbUZMMFZTbDNDX182ZG9uNldsbUhyZFAwVEJEVnlXZlY0b1FhSlA2ZGxYX0lJUkhubkxXeC1Yb3ZCYW90MzFvZXJ6d2NJa2RlMXdhMVdNbUFkaA?oc=5) · WyomingNews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58395 (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/27.json (key "58395", 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.

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