How Big Is Western State Bank?
Western State Bank holds $725M in total assets and $628M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,193rd-largest of the 3,960 FDIC-insured banks we track — in the top 30% by size. Those figures come from Western State Bank's latest FDIC call report (cert #21121); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Western State Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Western State Bank Size at a Glance
- Total assets
- $725M
- Total deposits
- $628M
- Domestic deposits
- $628M
- Size class
- community bank
- Rank by assets
- #1,193 of 3,960
- Headquarters
- Garden City, Kansas
Source: FDIC Call Report data (cert #21121). Figures reflect the latest reported quarter.
With $725M in total assets, Western State Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,193rd-largest of the 3,960 FDIC-insured banks we track, in the top 30% by size. The bank funds those assets largely with $628M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.45% | 80/100 |
| Nonperforming Loan Ratio | 0.43% | 91/100 |
| Liquidity Ratio | 29.14% | 97/100 |
| Return on Assets | 2.44% | 100/100 |
| Total Assets | $0.7B | |
How does Western State Bank compare?
With a Bank Health Score of 90/100, Western State Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Kansas, where 159 FDIC-insured banks are headquartered, Western State Bank ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 12.45% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.43% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Western State Bank's Bank Health Score fell by 4.0 points to 90/100. Tier 1 capital weakened by 0.48 percentage points to 12.45%.
Frequently Asked Questions
Western State Bank holds $725M in total assets and $628M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,193rd-largest of the 3,960 FDIC-insured banks we track — in the top 30% by size. Those figures come from Western State Bank's latest FDIC call report (cert #21121); it is a local community institution, with $100 million to $1 billion in assets.
Western State Bank ranks 1,193rd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 30% by size. Its $725M in assets classify it as a community bank.
Western State Bank reports $725M in total assets and $628M in total deposits ($628M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Western State Bank earns a Bank Health Score of 90/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $725M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Western State Bank (FDIC certificate #21121) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Western State Bank
Western State Bank holds $725M in total assets and $628M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,193rd-largest of the 3,960 FDIC-insured banks we track — in the top 30% by size. Those figures come from Western State Bank's latest FDIC call report (cert #21121); it is a local community institution, with $100 million to $1 billion in assets.