Western State Bank (FDIC #9123): Bank Stress & Real-Estate Credit Exposure

Western State Bank (FDIC Cert #9123): bank stress 39/100, contained, STABLE over 7 days; parent WESTERN ST AGENCY EMPLOYEE STK OWNERSHIP PLAN&TR.

Western State Bank (#9123) lends in 4 counties across 2 states; Western State Bank (#9123) reaches 211 ZIP codes: Arizona 2 counties, 169 ZIPs; North Dakota 2 counties, 42 ZIPs.

Western State Bank (#9123) largest markets: Maricopa County, AZ (840 branches, 140 ZIPs) (#9123), Pinal County, AZ (35 branches, 35 ZIPs) (#9123), Cass County, ND (60 branches, 30 ZIPs) (#9123), Ramsey County, ND (12 branches, 12 ZIPs) (#9123).

Western State Bank (#9123) reports $2.49 billion in total assets; Western State Bank (#9123) equity $332.1 million (13.4% of Western State Bank (#9123) assets); Western State Bank (#9123) domestic deposits $2.11 billion; Western State Bank (#9123) net income $25.5 million; Western State Bank (#9123) return on assets 2.01%; Western State Bank (#9123) return on equity 15.90%; Western State Bank (#9123) net interest income $65.5 million; Western State Bank (#9123) call report June 30, 2026.

Western State Bank (#9123) noncurrent real-estate loans: none reported; Western State Bank (#9123) net charge-offs on real estate 0.88%; Western State Bank (#9123) residential charge-offs 1.85%.

Western State Bank (#9123) net interest margin 5.33% against an eight-quarter Western State Bank (#9123) average of 4.99% (Western State Bank (#9123) compression -0.35 points); Western State Bank (#9123) non-residential real estate 184.9% of equity; Western State Bank (#9123) rate-exposure score 40/100, Western State Bank (#9123) fixed-rate trap 40/100; Western State Bank (#9123) risk type rate trapped; Western State Bank (#9123) rate regime rates elevated, Western State Bank (#9123) snapshot October 19, 2026.

Western State Bank (#9123) stress score moved from 41.1 on June 22, 2026 to 38.6 on October 19, 2026; Western State Bank (#9123) ranged 38.6 to 41.1 over 116 snapshots.

Western State Bank (#9123) alerts: 4 counties; top Western State Bank (#9123) alert scores: Casa Grande County, ND 17 (low); Devils Lake County, ND 17 (low); Sun City West County, ND 17 (low); West Fargo County, ND 17 (low).