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BDI
WS

The Western State Bank

Garden City, KansasFDIC Cert #21121

STATEEstablished 19739 branches

Holding company: WHITCORP FINANCIAL CORegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
4.13%
+1,253.9%y/y
Peer standing2nd percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
1.27%
+81.2%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
1.27%
+81.2%y/y
Peer standing22nd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.83%
+72.9%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$6.88M
+82.4%y/y
Peer standing15th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.13%
+478.1%y/y
Peer standing16th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$170K
+507.1%y/y
Peer standing10th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.28%
+10.3%y/y
Percentile by value96th percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$22.4M
+1,263.0%y/y
Peer standing0th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$6.88M
+82.4%y/y
Peer standing11th percentile
Peer standing in ubpr:primary:5
FDICNAASSET