Westside State Bank
Westside, IA
IDRSSD: 972143
Total Assets
$255.04M
Latest filing
Total Deposits
$187.99M
Latest filing
Net Interest Margin
4.01%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Westside State Bank
401 1st St
Westside, IA 51467
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1907FDIC Certificate 12410
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Westside State Bank (Main) | 401 1st St | Westside, IA |
| VAIL BRANCH | 115 Highway 30 | Vail, IA |
| HALBUR BRANCH | 103 N Main St | Halbur, IA |
| WALL LAKE BRANCH | 202 W 1st St | Wall Lake, IA |
| WESTSIDE STATE BANK | 1012 N Us Highway 71 | Carroll, IA |
| BELLEVUE BRANCH | 923 Galvin Rd S | Bellevue, NE |
Showing 5 of 5
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 | 06/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51467 |
| State and County Number | 19047 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| 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 | N/A |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 05/03/1962 |
| Primary Insurance Agency | DIF |
| Website | www.westsidestate.bank |
| Data Updated | 01/30/2026 |
| CERT | 18518 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $255.04M |
| Total Deposits | $187.99M |
| Total Liabilities | $234.87M |
| Total Equity Capital | $20.17M |
| Net Income | $662.00k |
| Net Loans and Leases | $225.61M |
| Assets Per Employee ($Millions) | $8.23M |
| Bank Premises and Fixed Assets | $3.62M |
| Cash and Balances due from Depository Institutions | $6.16M |
| Deposits Held in Domestic Offices | $187.99M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 13.32% |
| Net Interest Margin | 4.01% |
| Efficiency Ratio | 57.75% |
| Tier 1 Risk-Based Capital Ratio | 10.594% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.62% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.908% |
| Earning Assets to total Assets | 94.49% |
Income and Expense
| Total Interest Income | $4.01M |
| Total Noninterest Income | $130.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $1.46M |
| Net Interest Income | $2.39M |
| Pre-tax Net Operating Income | $675.00k |
| Provision for Credit Losses | $390.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $45.47M |
| Federal Funds Sold & Reverse Repurchase Agreement | $35.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.41M |
| Total Liabilities and Capital | $255.04M |
Securities
| Securities | $13.24M |
| Available-for-sale debt securities | $11.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.57M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Westside State Bank?
$255.04M as of the latest filing.
How much are Westside State Bank's total deposits?
$187.99M in total deposits.
Where is Westside State Bank located?
Westside, IA.
What is the Net Interest Margin?
4.01%.
How many domestic offices does it operate?
6.
When was it established?
06/01/1907.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$225.61M (latest filing).
What is the total interest income (latest filing)?
$4.01M.