B
Western State Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 5.90
Capitalization Index 9.30
Liquidity Index 1.80
Profitability Index 9.80
Stability Index 5.70
Company Info Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 21121
Phone Number (620) 275-4128
Website www.wsbks.com
Asset Quality Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 7.74%
5-Year Asset Growth 11.20%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 3.99%
Non-Performing Loans to Loans 0.70%
Balance Sheet Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 781.70M
Total Deposits 703.45M
Capital and Reserves Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
Capital 73.12M
Leverage Ratio 10.56
Loan Loss Reserves to Loans 2.06%
Risk-Based Capital Ratio 14.87
Liquidity Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 30.85%
Liquidity Ratio 18.75%
Profitability Western State Bank
Garden City, KS
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 2.12%
Net Income 4.64M
Net Interest Spread 4.39%
Operating Profit to Average Assets 2.43%
Overhead Efficiency Ratio 41.30%
Return on Assets 2.35%
Return on Equity 25.91%