Westside State Bank
Westside, IA · Cert 18518 · Peer group: banks under $1B in assets operating regionally (n=94) · Halbur Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$268.7MAssets
$235.2MLoans
$208.4MDeposits
$24.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 56% of banks under $1B in assets operating regionally (rank 41 of 94).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets operating regionally (rank 81 of 94).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.95%
Rank 63 of 94
Net Interest Margin
3.66%
Rank 55 of 94
Efficiency Ratio
62.18%
Rank 46 of 94
Equity / Assets
9.00%
Rank 70 of 94
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 52% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.82% | 1.19% | 1.46% | Beats 33% | 63 / 94 | |
| Return on Equity | 10.53% | 7.85% | 11.84% | 14.03% | Beats 39% | 57 / 94 | |
| Net Interest Margin | 3.66% | 3.42% | 3.81% | 4.18% | Beats 41% | 55 / 94 | |
| Efficiency Ratio | 62.18% | 55.99% | 62.41% | 73.02% | Beats 52% | 46 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.57% | 0.19% | 0.47% | 1.14% | Beats 15% | 81 / 94 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.05% | Beats 43% | 55 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 12.29% | 10.28% | 11.95% | 15.07% | Beats 52% | 45 / 94 | |
| Total Risk-Based Capital Ratio | 13.32% | 10.31% | 12.59% | 15.88% | Beats 56% | 41 / 94 | |
| Equity / Assets | 9.00% | 8.98% | 10.21% | 11.41% | Beats 26% | 70 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 112.85% | 72.62% | 84.44% | 94.55% | 99th pctl | 1 / 94 | |
| Loans / Assets | 87.52% | 62.50% | 72.84% | 78.99% | 98th pctl | 2 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |