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The Western State Bank
Garden City, KS · FDIC Certificate #21121 · Chartered 06/1
Total assets
$802.15M
Total deposits
$717.19M
Total equity
$82.22M
Net loans
$518.98M
Branches (offices)
9
Net income (YTD)
$5.84M
Rank: #1,256 of 4,213 U.S. banks by assets · #26 of 183 in Kansas. Assets changed 1.3% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 14.28% |
| Net interest margin (YTD) | 4.48% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 10.69% |
| Uninsured deposits (share of deposits) | 34.8% |
| Noncurrent loans (share of loans) | 3.04% |
| Net charge-offs (share of loans) | 1.32% |
| Loans to deposits | 72.4% |
| Real estate loans (share of loans) | 52.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $271.26M | 52.3% | |
| Commercial & industrial | $129.50M | 25.0% | |
| Consumer / individual | $8.66M | 1.7% | |
| Construction & development | $4.68M | 0.9% | |
| Agricultural | $119.65M | 23.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $604.68M | $554.87M | $4.96M | $49.24M |
| Jun 2023 | $657.01M | $576.90M | $8.54M | $55.56M |
| Jun 2024 | $725.43M | $627.58M | $8.47M | $66.89M |
| Jun 2025 | $791.72M | $713.94M | $9.46M | $73.74M |
| Jun 2026 | $802.15M | $717.19M | $5.84M | $82.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $717.19M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $717.19M.
Similar-sized banks
Bank Of Bridger, National Association ($802.73M) · Primebank ($800.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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