Is Western State Bank Safe?
Western State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is profitability (100/100), while Tier 1 capital is its weakest area (80/100).
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%.
Western State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is profitability (100/100), while Tier 1 capital is its weakest area (80/100).