The Western State Bank
Garden City, KS · Owner: Whitcorp Financial Co
$802M
total assets, June 30, 2026
$802M
total assets, June 30, 2026
The Western State Bank is a state nonmember bank based in Garden City, KS, owned by Whitcorp Financial Co. As of June 30, 2026 it held $802.1 million in assets and $717.2 million in deposits; assets were up 1.3% from a year before. It has 9 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$802M
+1.3% in a year · -2.7% in a quarter
Deposits
$717M
+0.5% in a year · -3.1% in a quarter
Loans
$532M
-2.2% in a year · -2.0% in a quarter
Profit so far
$5.8M
Jan 1 to Jun 30, 2026 · -38.3% in a year
Capital ratio
10.69%
+0.16 pts in a year
Return on assets
1.43%
-1.00 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 1500 E Kansas Ave, Garden City, KS, 67846
- County
- Finney
- Holding company
- Whitcorp Financial Co
- Established
- Jun 19, 1973
- Employees
- 124
- Branches
- 9
- Website
- www.wsbks.com
- Id
- b21121
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
9 offices as of June 30, 2026, holding $717.2 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Kansas | 9 | $717M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| The Western State Bank (main office) | Garden City, KS | $222M |
| Goodland Branch | Goodland, KS | $122M |
| Leoti Branch | Leoti, KS | $113M |
| Dodge City Branch | Dodge City, KS | $100M |
| Scott City Branch | Scott City, KS | $66.7M |
| Colby Branch | Colby, KS | $55.0M |
| St Francis Branch | Saint Francis, KS | $38.7M |
| North Main Branch | Garden City, KS | $0 |
| West Branch | Garden City, KS | $0 |
Related pages
Questions and answers
How big is The Western State Bank?
$802.1 million in total assets and $717.2 million in deposits as of June 30, 2026, with assets up 1.3% from a year before. Its loans were $532.4 million.
How many branches does The Western State Bank have?
9 branches in Kansas as of June 30, 2026.
Is The Western State Bank profitable?
Yes: it earned $5.84 million from January 1 to June 30, 2026 (down 38.3% from the same months a year before). Its return on assets was 1.43% a year; about 1% is typical.
Who owns The Western State Bank?
The Western State Bank is owned by Whitcorp Financial Co, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.