BlastPoint's Banking Scorecard

The Western State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 21121

Garden City, KS

9 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Western State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.10% above tier average
+ Efficiency Ratio 22.58% below tier average
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.41% above tier average

Get updates when The Western State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$824.8M +5.5% YoY -0.1% QoQ	+$438.7M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 7.2% in tier
Total Loans ?	$530.7M +0.5% YoY +0.1% QoQ	+$275.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 9.0% in tier
Total Deposits ?	$740.1M +5.2% YoY +0.1% QoQ	+$412.2M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 4.9% in tier
Return on Assets ?	2.37% -1.1% YoY -1.9% QoQ	+1.10%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 6.0% in tier
Net Interest Margin ?	4.40% -1.1% YoY -4.3% QoQ	+0.47%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	42.71% +3.5% YoY +1.3% QoQ	-22.58%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 6.2% in tier
Delinquency Rate ?	1.30% +81.6% YoY +65.6% QoQ	+0.41%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	71.70% -4.5% YoY -0.0% QoQ	-4.94%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	23.08% -0.7% YoY +0.5% QoQ	+1.06%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.83% +72.9% YoY +65.8% QoQ	+0.20%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	13.68% +0.5% YoY +0.6% QoQ	-2.15%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.08% -0.9% YoY -76.4% QoQ	-0.20%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

132

Total Deposits

size

Value: $740.14M

Peer Median: $327.97M

#132 of 2664 Top 4.9% in $100M-$1B

162

Return on Assets

profitability

Value: 2.37%

Peer Median: 1.27%

#162 of 2664 Top 6.0% in $100M-$1B

167

Efficiency Ratio

profitability

Value: 42.71%

Peer Median: 65.29%

#167 of 2664 Top 6.2% in $100M-$1B

194

Total Assets

size

Value: $824.77M

Peer Median: $386.08M

#194 of 2664 Top 7.2% in $100M-$1B

240

Total Loans

size

Value: $530.68M

Peer Median: $255.72M

#240 of 2664 Top 9.0% in $100M-$1B

594

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.93%

#594 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2061

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#2061 of 2654 Bottom 22.4% in $100M-$1B

2009

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.64%

#2009 of 2664 Bottom 24.6% in $100M-$1B