TellerScore

West Bank is a state-chartered bank headquartered in West Des Moines, Iowa, in business for about 133 years. At the end of Q2 2026 it reported $4.0B in total assets and $3.4B in deposits, with 12 offices across 2 states.

West Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 120th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (35/100, 87% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.79%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 87.1% · 49.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (68 → 71), mostly because the earnings component improved by 11 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202466
Q1 202569
Q2 202568
Q3 202568
Q4 202568
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.89%10.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.25%
Q3 202410.29%
Q4 20249.97%
Q1 202510.46%
Q2 202510.36%
Q3 202510.50%
Q4 202510.35%
Q1 202610.66%
Q2 202610.79%
Noncurrent loans
0.00%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.00%
Q1 20250.01%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.71%0.95%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.72%
Q4 20240.75%
Q1 20250.92%
Q2 20250.92%
Q3 20250.97%
Q4 20250.94%
Q1 20261.16%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$4.0B10.79%0.00%1.19%87.1%
Q1 202671$4.0B10.66%0.00%1.16%88.6%
Q4 202568$4.1B10.35%0.00%0.94%85.5%
Q3 202568$4.0B10.50%0.00%0.97%89.9%
Q2 202568$4.1B10.36%0.00%0.92%86.4%
Q1 202569$4.0B10.46%0.01%0.92%89.7%
Q4 202466$4.0B9.97%0.00%0.75%88.5%
Q3 202466$4.0B10.29%0.01%0.72%91.1%
Q2 202465$4.0B10.25%0.02%0.71%93.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.79%
56th
Total risk-based capital13.97%
54th
Problem loans0.00%
98th
Net charge-offs-0.00%
86th
Return on assets1.19%
44th
Net interest margin2.78%
9th
Efficiency ratio46.3%
85th
Loans to deposits87.1%
50th
Uninsured deposits49.5%
10th
Loan-loss reserves1.03%
35th
Texas ratio0.0%
98th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Hills Bank and Trust CompanyBank Hills, IA84 out of 100, Strong$4.8B13.4%0.40%vs
Northwest BankBank Spencer, IA70 out of 100, Strong$3.0B10.1%0.23%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Quad City Bank and Trust CompanyBank Bettendorf, IA70 out of 100, Strong$2.8B11.0%0.51%vs
Fidelity Bank & TrustBank Dubuque, IA55 out of 100, Moderate$2.6B9.0%1.26%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs

Deposit insurance

Is my money safe at West Bank?

Yes. West Bank is an FDIC-insured institution (FDIC certificate #15614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.5% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.97% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

West Bank lists 10 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, West Bank reported 65 home-loan applications under HMDA (LEI 89Z2WRK82BORVH42CP71): 55 originated ($128,845,000 total), 6 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
West Bank
Former names
West Des Moines State Bank
Type
State-chartered bank
FDIC certificate #
15614
RSSD ID
139740
Primary regulator
FDIC
Holding company
West Bcorp Inc
Established
January 1, 1893
Headquarters
3330 Westown Parkway, West Des Moines, IA 50266
Employees
190

Quick answers

West Bank: common questions

Is West Bank FDIC insured?

Yes. West Bank is an FDIC-insured institution (FDIC certificate #15614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is West Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has West Bank ever failed?

There is no failure record for FDIC certificate #15614 in the FDIC failed bank list.

How many branches does West Bank have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near West Des Moines

InstitutionScoreAssetsCapitalProblem loansCompare
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs