The Western State Bank is a bank based in Garden City, Kansas, established in 1973, with $825 million in total assets across 9 branches. By Trust Grade it ranks 90th of 186 banks we track in Kansas. Its capital ratio of 9.8% trails most similarly sized banks (44th percentile), versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 2.37% return on assets. No consumer complaints against The Western State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Western State Bank compares to Kansas peers
How we graded The Western State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.8% capital ratio)
- Strongly profitable (ROA 2.37%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Western State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 102 S 2nd St, Leoti, KS 67861
- 1500 E Kansas Ave, Garden City, KS 67846
- 1425 S Main St, Scott City, KS 67871
- 602 N Main St, Garden City, KS 67846
- 815 Center Ave, Goodland, KS 67735
- 409 W Kansas Ave, Garden City, KS 67846
- 2121 N 14th Ave, Dodge City, KS 67801
- 400 E Washington St, Saint Francis, KS 67756
- 1750 S Range Ave, Colby, KS 67701
Are deposits at The Western State Bank insured?
Yes. The Western State Bank is an FDIC-insured bank (FDIC certificate #21121). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Western State Bank: frequently asked questions
Is The Western State Bank a good bank?
The Western State Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (9.8% capital ratio); Strongly profitable (ROA 2.37%).
Is The Western State Bank FDIC-insured?
Yes. The Western State Bank is a FDIC-insured bank (FDIC certificate #21121). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Western State Bank?
The Western State Bank holds $825 million in total assets, ranking 90th of 186 banks we track in Kansas. It operates 9 branches.
Does The Western State Bank have CFPB complaints?
No CFPB complaints against The Western State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
