🏦Bank Scorer

THE WESTERN STATE BANK

GARDEN CITY, KS · Supervised by FDIC

Est. 1973FDIC #21,121RSSD: FDIC-21121
Part ofWHITCORP FINANCIAL CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.37%

Institution Profile

FDIC BankFind

Address

1500 E Kansas Ave, GARDEN CITY, KS

County

Finney County

Established

June 19, 1973

Total Assets

$825M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$825M

Total Deposits

$740M

Net Loans

$531M

Net Income

$5M

ROA

2.37%

ROE

24.00%

Risk-Based Capital

14.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$714M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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