Westside State Bank (FDIC certificate #18518) is based in Westside, Iowa. Its Q2 2026 call report shows $268.7M in total assets and $208.4M in deposits and 6 offices across 2 states.
Westside State Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 213th. Problem-loan coverage contributes the most (72/100, 14.1%); capital cushion contributes the least (38/100, 8.82%).
TellerScore · Q2 2026
Scorecard
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 fell 11 points (62 → 51), mostly because the loan quality component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 63 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 50 |
| Q2 2026 | 51 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.34% |
| Q3 2024 | 7.59% |
| Q4 2024 | 7.40% |
| Q1 2025 | 7.63% |
| Q2 2025 | 7.81% |
| Q3 2025 | 7.70% |
| Q4 2025 | 7.75% |
| Q1 2026 | 7.92% |
| Q2 2026 | 8.82% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.18% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.92% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $268.7M | 8.82% | 1.57% | 1.21% | 111.9% |
| Q1 2026 | 50 | $259.4M | 7.92% | 1.38% | 1.25% | 121.0% |
| Q4 2025 | 63 | $255.0M | 7.75% | 0.18% | 1.29% | 120.0% |
| Q3 2025 | 64 | $248.3M | 7.70% | 0.11% | 1.37% | 119.1% |
| Q2 2025 | 62 | $245.5M | 7.81% | 0.20% | 1.27% | 115.2% |
| Q1 2025 | 63 | $226.7M | 7.63% | 0.08% | 1.21% | 112.7% |
| Q4 2024 | 60 | $220.0M | 7.40% | 0.10% | 0.92% | 114.5% |
| Q3 2024 | 60 | $229.4M | 7.59% | 0.13% | 0.87% | 114.2% |
| Q2 2024 | 58 | $215.6M | 7.34% | 0.17% | 0.80% | 115.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom Financial BankBank West Des Moines, IA | 68 out of 100, Moderate | $269.3M | 9.3% | 0.00% | vs |
| Mediapolis Savings BankBank Mediapolis, IA | 71 out of 100, Strong | $269.9M | 10.2% | 0.39% | vs |
| Security Trust & Savings BankBank Storm Lake, IA | 70 out of 100, Strong | $266.4M | 10.4% | 0.78% | vs |
| Cherokee State BankBank Cherokee, IA | 83 out of 100, Strong | $271.1M | 13.0% | 0.00% | vs |
| Farmers and Merchants State BankBank Winterset, IA | 78 out of 100, Strong | $271.7M | 10.7% | 0.00% | vs |
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
Deposit insurance
Is my money safe at Westside State Bank?
Yes. Westside State Bank is an FDIC-insured institution (FDIC certificate #18518). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.9% of deposits ($41.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.32% (benchmark: 10%).
6 locations
Branches
Westside State Bank lists 5 offices in 5 cities across 2 states. Most locations:
- Bellevue, NE (1)
- Carroll, IA (1)
- Halbur, IA (1)
- Wall Lake, IA (1)
- Westside, IA (1)
Identity & history
Profile
- Legal name
- Westside State Bank
- Former names
- Farmers Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18518
- RSSD ID
- 972143
- Primary regulator
- FDIC
- Holding company
- Halbur Bancshares Inc
- Established
- June 1, 1907
- Headquarters
- 401 1st St, Westside, IA 51467
- Website
- www.westsidestate.bank
- Employees
- 33
Quick answers
Westside State Bank: common questions
Is Westside State Bank FDIC insured?
Yes. Westside State Bank is an FDIC-insured institution (FDIC certificate #18518). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Westside State Bank's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Westside State Bank ever failed?
There is no failure record for FDIC certificate #18518 in the FDIC failed bank list.
How many branches does Westside State Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Westside
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Templeton Savings BankBank Templeton, IA | 93 out of 100, Very strong | $169.6M | 14.5% | 0.00% | vs |
| The First National Bank of ManningBank Manning, IA | 91 out of 100, Very strong | $87.7M | 15.0% | 0.00% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| Breda Savings BankBank Breda, IA | 82 out of 100, Strong | $106.0M | 10.9% | 0.00% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |