BlastPoint's Banking Scorecard
The Western State Bank
Community
Specialty: Agricultural
KS
FDIC cert 21121
Garden City, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The Western State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 37% in Community
- + Efficiency Ratio 20.47% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$825.4M
+7.6% YoY
+4.0% QoQ
|
-$566.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$530.4M
+0.7% YoY
+1.1% QoQ
|
-$445.1M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$739.5M
+7.7% YoY
+4.0% QoQ
|
-$425.1M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
2.42%
+2.0% YoY
-0.9% QoQ
|
+1.25% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.60%
-1.2% YoY
-0.5% QoQ
|
+0.93% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
42.16%
+5.5% YoY
+1.2% QoQ
|
-20.47% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.78%
+5.2% YoY
+25.0% QoQ
|
+0.15% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
71.72%
-6.5% YoY
-2.7% QoQ
|
-11.34% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
22.95%
-0.8% YoY
+2.2% QoQ
|
+1.90% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.50%
-1.6% YoY
+21.6% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.60%
+2.6% YoY
-0.9% QoQ
|
+3.35% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.32%
-0.2% YoY
+33.5% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#138 of 371 · Top 37% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.42%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.16%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Risk Growth
risk
#5 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Return on Assets
Current: 2.42% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.16% · Tier avg: 62.63%
89
89th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.66%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.72% · Tier avg: 83.06%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.60% · Tier avg: 10.24%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.95% · Tier avg: 21.05%
42
42th pctile
Total Deposits
Current: $739.5M · Tier avg: $1.2B
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
37
37th pctile
Total Assets
Current: $825.4M · Tier avg: $1.4B
35
35th pctile
Total Loans
Current: $530.4M · Tier avg: $975.5M
32
32th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
Top Weaknesses
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
32
32th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
35
35th pctile
Total Loans
Current: $530.4M · Tier avg: $975.5M
37
37th pctile
Total Assets
Current: $825.4M · Tier avg: $1.4B
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
42
42th pctile
Total Deposits
Current: $739.5M · Tier avg: $1.2B
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.95% · Tier avg: 21.05%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.60% · Tier avg: 10.24%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.72% · Tier avg: 83.06%
89
89th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.66%
94
94th pctile
Efficiency Ratio
Current: 42.16% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.42% · Tier avg: 1.16%