The Western State Bank
Garden City, KS
IDRSSD: 988153
Total Assets
$793.94M
Latest filing
Total Deposits
$711.18M
Latest filing
Net Interest Margin
4.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Western State Bank
1500 E Kansas Ave
Garden City, KS 67846
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/19/1973FDIC Certificate 14600
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Western State Bank (Main) | 1500 E Kansas Ave | Garden City, KS |
| LEOTI BRANCH | 102 S 2nd St | Leoti, KS |
| SCOTT CITY BRANCH | 1425 S Main St | Scott City, KS |
| NORTH MAIN BRANCH | 602 N Main St | Garden City, KS |
| GOODLAND BRANCH | 815 Center Ave | Goodland, KS |
| WEST BRANCH | 409 W Kansas Ave | Garden City, KS |
| DODGE CITY BRANCH | 2121 N 14th Ave | Dodge City, KS |
| ST FRANCIS BRANCH | 400 E Washington St | Saint Francis, KS |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/19/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67846 |
| State and County Number | 20055 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Garden City, KS |
Operational Info
| Number of Employees | 121 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/19/1973 |
| Primary Insurance Agency | DIF |
| Website | http://www.wsbks.com |
| Data Updated | 11/14/2025 |
| CERT | 21121 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $793.94M |
| Total Deposits | $711.18M |
| Total Liabilities | $715.06M |
| Total Equity Capital | $78.88M |
| Net Income | $4.87M |
| Net Loans and Leases | $524.50M |
| Assets Per Employee ($Millions) | $6.4M |
| Bank Premises and Fixed Assets | $5.50M |
| Cash and Balances due from Depository Institutions | $17.95M |
| Deposits Held in Domestic Offices | $711.18M |
Key Performance Ratios
| Return on Assets (ROA) | 2.45% |
| Return on Equity (ROE) | 25.5% |
| Net Interest Margin | 4.75% |
| Efficiency Ratio | 41.77% |
| Tier 1 Risk-Based Capital Ratio | 13.713% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.936% |
| Earning Assets to total Assets | 96.45% |
Income and Expense
| Total Interest Income | $12.65M |
| Total Noninterest Income | $662.00k |
| Total Interest Expense | $3.60M |
| Total Noninterest Expense | $4.06M |
| Net Interest Income | $9.05M |
| Pre-tax Net Operating Income | $5.35M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.88M |
| Total Liabilities and Capital | $793.94M |
Securities
| Securities | $234.22M |
| Available-for-sale debt securities | $234.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Western State Bank?
$793.94M as of the latest filing.
How much are The Western State Bank's total deposits?
$711.18M in total deposits.
Where is The Western State Bank located?
Garden City, KS.
What is the Net Interest Margin?
4.75%.
How many domestic offices does it operate?
9.
When was it established?
06/19/1973.
What is the Return on Assets (ROA)?
2.45%.
How much are total loans and leases?
$524.50M (latest filing).
What is the total interest income (latest filing)?
$12.65M.