Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.6B
Total Deposits
$2.2B
Net Loans
$2.2B
Net Income
$13M
ROA
1.98%
Above avg for Community banks. Peer avg: 0.90%
ROE
16.16%
Risk-Based Capital
15.54%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 238 | 73.11% | 7.14% |
| 2022 | 436 | 72.48% | 9.63% |
| 2021 | 940 | 78.83% | 5.85% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Large Bank |
| Feb 2021 | Satisfactory | Intermediate Small Bank |
| Apr 2018 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1992
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
10
Branch Deposits
$2.1B
1-Year Change
0
5-year net change: +1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/western-state-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: