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This institution is no longer active

Operations ceased on February 14, 2022. CRA examination history below reflects the period it was active.

WESTERN STATES BANK

LARAMIE, WY · Supervised by FDIC

Est. 2006FDIC #58,395RSSD: FDIC-58395
Part ofWESTERN STATES BCORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Address

3430 East Grand Avenue, LARAMIE, WY

County

Albany County

Established

September 11, 2006

Total Assets

$535M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2021Call Report / FDIC

Total Assets

$535M

Total Deposits

$481M

Net Loans

$345M

Net Income

$4M

ROA

0.83%

ROE

8.33%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.64%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20198170.37%8.64%
20188663.95%26.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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