Westside State Bank (FDIC #18518): Bank Stress & Real-Estate Credit Exposure
Westside State Bank (FDIC Cert #18518): bank stress 70/100, elevated, STABLE over 7 days; parent HALBUR BANCSHARES INC.
Westside State Bank (#18518) lends in 4 counties across 2 states; Westside State Bank (#18518) reaches 62 ZIP codes: Iowa 3 counties, 48 ZIPs; Nebraska 1 county, 14 ZIPs.
Westside State Bank (#18518) largest markets: Crawford County, IA (42 branches, 21 ZIPs) (#18518), Carroll County, IA (34 branches, 17 ZIPs) (#18518), Sac County, IA (16 branches, 16 ZIPs) (#18518), Sarpy County, NE (14 branches, 14 ZIPs) (#18518).
Westside State Bank (#18518) reports $268.7 million in total assets; Westside State Bank (#18518) equity $24.2 million (9.0% of Westside State Bank (#18518) assets); Westside State Bank (#18518) domestic deposits $208.4 million; Westside State Bank (#18518) net income $1.6 million; Westside State Bank (#18518) return on assets 1.21%; Westside State Bank (#18518) return on equity 14.50%; Westside State Bank (#18518) net interest income $4.9 million; Westside State Bank (#18518) call report June 30, 2026.
Westside State Bank (#18518) noncurrent real-estate loans: none reported; Westside State Bank (#18518) net charge-offs on real estate 0.27%.
Westside State Bank (#18518) net interest margin 3.99% against an eight-quarter Westside State Bank (#18518) average of 3.81% (Westside State Bank (#18518) compression -0.18 points); Westside State Bank (#18518) rate-exposure score 40/100, Westside State Bank (#18518) fixed-rate trap 40/100; Westside State Bank (#18518) risk type credit driven; Westside State Bank (#18518) rate regime rates elevated, Westside State Bank (#18518) snapshot October 20, 2026.
Westside State Bank (#18518) stress score moved from 71.2 on June 22, 2026 to 70 on October 20, 2026; Westside State Bank (#18518) ranged 70 to 71.2 over 117 snapshots.
Westside State Bank (#18518) alerts: 4 counties; top Westside State Bank (#18518) alert scores: Bellevue County, IA 24 (low); Halbur County, IA 24 (low); Wall Lake County, IA 24 (low); Westside County, IA 24 (low).