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The Western State Bank
✓ FDIC-insured · Active FDIC Certificate #21121
The Western State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Garden City, Kansas, established in 1973. As of the 06/30/2026 FDIC call report, it reported $802M in total assets and $717M in deposits. FDIC location data lists 9 offices in Kansas. The FDIC classifies it as a community bank. It is owned by the holding company WHITCORP FINANCIAL CO (Leoti, KS).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 9 of The Western State Bank's FDIC-listed offices are in Kansas. Browse banks in Garden City for other local options.
Branch locations
| The Western State Bank Leoti Branch · Full Service - Brick And Mortar | 102 S 2nd St Leoti, KS 67861 Map ↗ |
| The Western State Bank The Western State Bank · Full Service - Brick And Mortar | 1500 E Kansas Ave Garden City, KS 67846 Map ↗ |
| The Western State Bank Scott City Branch · Full Service - Brick And Mortar | 1425 S Main St Scott City, KS 67871 Map ↗ |
| The Western State Bank North Main Branch · Limited Service - Drive Thru/Detached Facility | 602 N Main St Garden City, KS 67846 Map ↗ |
| The Western State Bank Goodland Branch · Full Service - Brick And Mortar | 815 Center Ave Goodland, KS 67735 Map ↗ |
| The Western State Bank West Branch · Limited Service - Drive Thru/Detached Facility | 409 W Kansas Ave Garden City, KS 67846 Map ↗ |
| The Western State Bank Dodge City Branch · Full Service - Brick And Mortar | 2121 N 14th Ave Dodge City, KS 67801 Map ↗ |
| The Western State Bank St Francis Branch · Full Service - Brick And Mortar | 400 E Washington St Saint Francis, KS 67756 Map ↗ |
| The Western State Bank Colby Branch · Full Service - Brick And Mortar | 1750 S Range Ave Colby, KS 67701 Map ↗ |
Holding company: WHITCORP FINANCIAL CO
The FDIC lists WHITCORP FINANCIAL CO, based in Leoti, KS, as the top holding company for The Western State Bank. It also owns one other FDIC-insured bank:
- Frontier Bank, Lamar, CO ($436M in assets)
FDIC deposit insurance applies separately to each insured bank charter, even when they share a holding company. Confirm the charter before you spread deposits.
Similar-size banks in Kansas
Active FDIC-insured banks headquartered in Kansas with total assets closest to The Western State Bank's $802M. See all banks in Kansas.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Dream First Bank, National Association | Syracuse | $964M | 13 |
| United Bank & Trust | Marysville | $893M | 16 |
| Legacy Bank | Colwich | $865M | 10 |
| Community National Bank | Seneca | $853M | 6 |
| First Option Bank | Osawatomie | $818M | 10 |
| Union State Bank | Arkansas City | $719M | 12 |
| Farmers & Merchants Bank of Colby | Colby | $651M | 5 |
| Outdoor Bank | Manhattan | $649M | 11 |
The Western State Bank: common questions
Is The Western State Bank FDIC-insured?
Yes. The Western State Bank is an active FDIC-insured institution, FDIC Certificate #21121. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is The Western State Bank headquartered?
The Western State Bank is headquartered at 1500 E Kansas Ave, Garden City, KS 67846, according to FDIC records.
How many branches does The Western State Bank have?
FDIC location data lists 9 offices for The Western State Bank, all in Kansas.
Who owns The Western State Bank?
The FDIC lists WHITCORP FINANCIAL CO of Leoti, KS as the top holding company for The Western State Bank. The same holding company owns 1 other FDIC-insured bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.