The Western State Bank
Total assets
$802.1M
▲ +1.3% YoY
Deposits
$717.2M
▲ +0.5% YoY
Loans
$519.0M
▼ -2.6% YoY
Offices
9
WHITCORP FINANCIAL CO
ROA (annualized)
1.43%
peers 1.28%
ROE (annualized)
14.28%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Western State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +0.5% | +4.3% | -3.9 pts |
| Loan growth (YoY) | -2.6% | +5.3% | -7.9 pts |
| ROA | 1.43% | 1.28% | +0.1 pts |
| ROE | 14.3% | 12.4% | +1.8 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 1973
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WHITCORP FINANCIAL CO
- Specialization
- Agricultural Specialization
- Address
- 1500 E Kansas Ave, Garden City, KS, 67846
- County
- Finney
- Metro area
- Garden City, KS
- Offices
- 9
- FDIC cert #
- 21121
- RSSD ID
- 988153
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $802.1M | $717.2M | $519.0M | $82.2M | $5.8M | 1.43% | 4.48% | 2.02% |
| Q1 2026 | $824.8M | $740.1M | $530.7M | $80.9M | $4.9M | 2.37% | 4.40% | 0.83% |
| Q4 2025 | $825.4M | $739.5M | $530.4M | $82.0M | $19.1M | 2.42% | 4.60% | 0.50% |
| Q3 2025 | $793.9M | $711.2M | $524.5M | $78.9M | $14.3M | 2.44% | 4.62% | 0.41% |
| Q2 2025 | $791.7M | $713.9M | $532.6M | $73.7M | $9.5M | 2.43% | 4.55% | 0.46% |
| Q1 2025 | $781.7M | $703.4M | $528.3M | $73.1M | $4.6M | 2.40% | 4.45% | 0.48% |
| Q4 2024 | $766.8M | $686.6M | $526.9M | $70.1M | $17.4M | 2.37% | 4.65% | 0.51% |
| Q3 2024 | $754.9M | $678.1M | $504.9M | $71.9M | $13.0M | 2.39% | 4.70% | 0.27% |
Loan mix (Q2 2026): real estate $271.3M · commercial $129.5M · consumer $8.7M · securities $250.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.4% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.89% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 61.2% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Western State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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