Total Assets
$802.1M
Total Deposits
$717.2M
Branches
9
Established
1973
The Western State Bank is a bank headquartered in Garden City, Kansas, established in 1973. It holds $802.1M in total assets across 9 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Western State Bank earns a TFS Financial Health Grade of B- (75.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
75.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Western State BankHQ | 1500 E Kansas Ave | Garden City | KS | 11 |
| The Western State Bank | 1750 S Range Ave | Colby | KS | 11 |
| The Western State Bank | 2121 N 14th Ave | Dodge City | KS | 11 |
| The Western State Bank | 409 W Kansas Ave | Garden City | KS | 23 |
| The Western State Bank | 602 N Main St | Garden City | KS | 23 |
| The Western State Bank | 815 Center Ave | Goodland | KS | 11 |
| The Western State Bank | 102 S 2nd St | Leoti | KS | 11 |
| The Western State Bank | 400 E Washington St | Saint Francis | KS | 11 |
| The Western State Bank | 1425 S Main St | Scott City | KS | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
75.7
Tier 1 capital ratio
10.69%
Return on assets
1.43%
Non-performing loans
3.04%
Efficiency ratio
43.24%
Asset growth (YoY)
1.32%
Suggested direct comparisons
Wichita, KS
$6.8B
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.