🏦Bank Scorer

WEST BANK

WEST DES MOINES, IA · Supervised by FDIC

Est. 1893FDIC #15,614RSSD: FDIC-15614
Part ofWEST BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.16%

Institution Profile

FDIC BankFind

Address

3330 Westown Parkway, WEST DES MOINES, IA

County

Polk County

Established

January 1, 1893

Total Assets

$4.0B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.0B

Total Deposits

$3.3B

Net Loans

$3.0B

Net Income

$12M

ROA

1.16%

ROE

12.89%

Risk-Based Capital

13.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.81%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$3.4B

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243781.08%10.81%
20238181.48%13.58%
20229876.53%13.27%
202110578.1%10.48%
202012885.94%7.81%
201911886.44%9.32%
20186482.81%12.50%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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