WESTERN STATE BANK
GARDEN CITY, KANSAS · FDIC Cert #21121
Capital & Safety Analysis
According to FDIC financial data, WESTERN STATE BANK holds a Tier 1 capital ratio of 12.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning WESTERN STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
WESTERN STATE BANK shows strong financial health indicators. With $725M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WESTERN STATE BANK has a Bank Health Score of A (90/100). It holds a Tier 1 capital ratio of 12.45%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WESTERN STATE BANK holds $725M in total assets and $628M in total deposits. It is located in GARDEN CITY, KANSAS (FDIC Certificate #21121).
WESTERN STATE BANK has a Tier 1 capital ratio of 12.45%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.43%, and the return on assets is 2.44%.
Yes. WESTERN STATE BANK is FDIC-insured (Certificate #21121). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.