Legal name: WHITCORP FINANCIAL COMPANY
2 active banks · 1 merged/absorbed · $1.3B combined assets
RSSD ID: 1051979 (FFIEC NIC)
Combined Assets
$1.3B
CRA Rating Summary
Across all 20 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
2 of 2 banks · Meets expectations for community lending
Combined Assets
$1.3B
2 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$1.1B
Net Income
$7M
ROA (avg)
2.28%
asset-weighted avg
Aggregated HMDA data across all active charters for 2023.
Applications
547
Origination Rate
81.35%
Denial Rate
9.87%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| THE WESTERN STATE BANK | GARDEN CITY, KS | FDIC | $825M | 100.0% | Satisfactory | Aug 2023 |
| FRONTIER BANK | LAMAR, CO | FDIC | $432M | 100.0% | Satisfactory | Jan 2024 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.