Western State Bank
Garden City, KS · Cert 21121 · Peer group: banks under $1B in assets in KS (n=97) · Whitcorp Financial Co.
State charter, non-member · FDIC · 1 affiliate bank · 9 branches (17 in holding)
Q2 2026
$802.1MAssets
$532.4MLoans
$717.2MDeposits
$82.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets in KS (rank 3 of 97).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in KS (rank 96 of 97).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.18%
Rank 52 of 97
Net Interest Margin
4.37%
Rank 10 of 97
Efficiency Ratio
43.26%
Rank 3 of 97
Equity / Assets
10.25%
Rank 56 of 97
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 98% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 1.03% | 1.23% | 1.54% | Beats 46% | 52 / 97 | |
| Return on Equity | 11.53% | 8.85% | 11.53% | 14.73% | Beats 49% | 49 / 97 | |
| Net Interest Margin | 4.37% | 3.24% | 3.62% | 3.91% | Beats 90% | 10 / 97 | |
| Efficiency Ratio | 43.26% | 52.19% | 58.88% | 64.74% | Beats 98% | 3 / 97 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.04% | 0.01% | 0.33% | 1.05% | Beats 9% | 89 / 97 | |
| Net Charge-Offs / Loans | 0.69% | n/a | 0.00% | 0.03% | Beats 2% | 96 / 97 | |
| Capital |
| Tier 1 Capital Ratio | 13.78% | 11.81% | 13.71% | 17.33% | Beats 52% | 47 / 97 | |
| Total Risk-Based Capital Ratio | 15.04% | 11.81% | 14.13% | 17.45% | Beats 58% | 41 / 97 | |
| Equity / Assets | 10.25% | 8.60% | 11.33% | 13.10% | Beats 42% | 56 / 97 | |
| Liquidity & Funding |
| Loans / Deposits | 74.23% | 57.09% | 69.84% | 82.47% | 57th pctl | 42 / 97 | |
| Loans / Assets | 66.37% | 49.34% | 58.25% | 68.94% | 65th pctl | 34 / 97 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |