Western State Bank (FDIC #21121): Bank Stress & Real-Estate Credit Exposure
Western State Bank (FDIC Cert #21121): bank stress 61/100, elevated, STABLE over 7 days; parent WHITCORP FINANCIAL CO.
Western State Bank (#21121) lends in 7 counties across 1 state; Western State Bank (#21121) reaches 34 ZIP codes: Kansas 7 counties, 34 ZIPs.
Western State Bank (#21121) largest markets: Ford County, KS (10 branches, 10 ZIPs) (#21121), Thomas County, KS (8 branches, 8 ZIPs) (#21121), Finney County, KS (21 branches, 7 ZIPs) (#21121), Cheyenne County, KS (5 branches, 5 ZIPs) (#21121), Scott County, KS (4 branches, 4 ZIPs) (#21121), Sherman County, KS (4 branches, 4 ZIPs) (#21121).
Western State Bank (#21121) reports $802.1 million in total assets; Western State Bank (#21121) equity $82.2 million (10.2% of Western State Bank (#21121) assets); Western State Bank (#21121) domestic deposits $717.2 million; Western State Bank (#21121) net income $5.8 million; Western State Bank (#21121) return on assets 1.43%; Western State Bank (#21121) return on equity 14.28%; Western State Bank (#21121) net interest income $17.7 million; Western State Bank (#21121) call report June 30, 2026.
Western State Bank (#21121) noncurrent real-estate loans: none reported; Western State Bank (#21121) net charge-offs on real estate 1.43%.
Western State Bank (#21121) net interest margin 4.48% against an eight-quarter Western State Bank (#21121) average of 4.55% (Western State Bank (#21121) compression 0.08 points); Western State Bank (#21121) rate-exposure score 40/100, Western State Bank (#21121) fixed-rate trap 40/100; Western State Bank (#21121) risk type credit driven; Western State Bank (#21121) rate regime rates elevated, Western State Bank (#21121) snapshot October 20, 2026.
Western State Bank (#21121) stress score moved from 42.8 on June 22, 2026 to 61.1 on October 20, 2026; Western State Bank (#21121) ranged 42.8 to 61.1 over 117 snapshots.
Western State Bank (#21121) alerts: 7 counties; top Western State Bank (#21121) alert scores: Colby County, KS 21 (low); Dodge City County, KS 21 (low); Garden City County, KS 21 (low); Goodland County, KS 21 (low); Leoti County, KS 21 (low).