WHITCORP FINANCIAL CO operates 2 active bank charters, each examined independently for CRA compliance.

Bank Holding Company

WHITCORP FINANCIAL CO

Legal name: WHITCORP FINANCIAL COMPANY

2 active banks · 1 merged/absorbed · $1.3B combined assets

RSSD ID: 1051979 (FFIEC NIC)

Combined Assets

$1.3B

CRA Rating Summary

Satisfactory2charters

Across all 20 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE WESTERN STATE BANKGARDEN CITY, KSSatisfactory$825MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

2 of 2 banks · Meets expectations for community lending

Combined Assets

$1.3B

2 active banks

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.1B

Net Income

$7M

ROA (avg)

2.28%

asset-weighted avg

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE WESTERN STATE BANK	GARDEN CITY, KS	FDIC	$825M	100.0%	Satisfactory	Aug 2023
FRONTIER BANK	LAMAR, CO	FDIC	$432M	100.0%	Satisfactory	Jan 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.