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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Westside, IA · FDIC certificate #18518
WESTSIDE STATE BANK is an FDIC-insured institution based in Westside, IA (FDIC certificate #18518). In its Q3 2026 Call Report it reported total assets of $273M, total deposits of $207M and net loans of $244M. Its primary federal regulator is FDIC.
Plain-language readout
WESTSIDE STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $273M in Q3 2026 and were lowest at $259M in Q1 2026.
Total deposits were highest at $208M in Q2 2026 and lowest at $191M in Q1 2026.
Over the whole period total assets rose 5.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $273M | $207M | $244M | 1.32% | 15.60% | 4.08% |
| Q2 2026 | $269M | $208M | $233M | 1.21% | 14.50% | 3.99% |
| Q1 2026 | $259M | $191M | $231M | 1.25% | 15.69% | 3.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.5M | $6.2M | +$5.4M | +86.5% |
| Federal funds sold | $1.3M | $48K | +$1.2M | +2510.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $13.0M | $12.7M | +$378K | +3.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $233.2M | $230.8M | +$2.4M | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.5M | $3.6M | -$23K | -0.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $766K | $766K | $0K | 0.0% |
| All other assets | $5.4M | $5.4M | -$67K | -1.2% |
| Total assets | $268.7M | $259.4M | +$9.3M | +3.6% |
| Liabilities | ||||
| Total deposits | $208.4M | $190.7M | +$17.7M | +9.3% |
| Federal funds purchased | $0K | $1.3M | -$1.3M | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $34.9M | $45.5M | -$10.6M | -23.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$52K | +4.4% |
| Total liabilities | $244.5M | $238.7M | +$5.9M | +2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $120K | $120K | $0K | 0.0% |
| Surplus | $13.5M | $10.9M | +$2.6M | +24.3% |
| Retained earnings | $10.8M | $10.1M | +$721K | +7.1% |
| Accumulated other comprehensive income | -$286K | -$330K | +$44K | +13.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.2M | $20.8M | +$3.4M | +16.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.7M | $3.2M | +$491K | +15.3% |
| Adjusted nonperforming assets | $3.7M | $3.2M | +$491K | +15.3% |
| Tangible equity plus allowance | $25.4M | $21.8M | +$3.6M | +16.4% |
| Texas ratio (gross) | 14.57% | 14.71% | -0.13 pts | See points |
| Texas ratio (adjusted) | 14.57% | 14.71% | -0.13 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.57% | 14.71% | -0.13 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.29% | 10.71% | +1.58 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.29% | 10.71% | +1.58 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.03% | 0.96% | +0.07 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.32% | 11.67% | +1.65 pts | See points |
| Tier 1 leverage (approximate) | 8.82% | 7.92% | +0.90 pts | See points |
| Construction and land loans to total capital | 10.48% | 8.50% | +1.97 pts | See points |
| Commercial real estate to total capital | 28.07% | 29.82% | -1.75 pts | See points |
| Dividend payout, year to date | 12.71% | 18.68% | -5.97 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.27% | -1.71% | +0.44 pts | See points |
| Liquidity | ||||
| Core deposits | $171.0M | $164.1M | +$6.8M | +4.2% |
| Non-core funding | $72.3M | $73.4M | -$1.0M | -1.4% |
| Loans to core deposits | 137.57% | 141.73% | -4.15 pts | See points |
| Loans to deposits | 112.85% | 121.97% | -9.12 pts | See points |
| Brokered deposits share of deposits | 7.24% | 2.97% | +4.27 pts | See points |
| Pledged securities share of securities | 22.11% | 22.72% | -0.61 pts | See points |
| Loans pledged, share of loans | 61.76% | 61.73% | +0.03 pts | See points |
| Volatile liabilities | $72.3M | $73.4M | -$1.0M | -1.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $1.0M | +$975K | +96.8% |
| Earnings before provision, single quarter | $975K | $1.0M | -$32K | -3.2% |
| Provision for credit losses, year to date | $360K | $180K | +$180K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.73% | 6.63% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 1.29% | +2.40 pts | See points |
| Total interest income to average assets | 6.17% | 6.16% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.33% | 1.11% | +0.22 pts | See points |
| Cost of savings and money market deposits | 2.42% | 2.18% | +0.23 pts | See points |
| Cost of time deposits | 3.83% | 4.03% | -0.20 pts | See points |
| Total interest expense to average assets | 2.46% | 2.42% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $273M | $207M | $244M | 1.32% | 15.60% | 4.08% |
| 2026-06-30 | $269M | $208M | $233M | 1.21% | 14.50% | 3.99% |
| 2026-03-31 | $259M | $191M | $231M | 1.25% | 15.69% | 3.97% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $156.6M | 0.12% | 160 | Continuing · +0.01 pp |
| NE | $23.5M | 0.03% | 157 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.