Four fees from its schedule are published so far: monthly maintenance $3 to $9, non-network ATM $2, paper statement $3.50 and 1 more.
Source: its fee schedule, read Oct 14, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
58th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 14, 2026
Call-report figures are for The Western State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Western State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (58th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $233K in Q2 2026, 8.4% above the same quarter a year earlier ($215K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 3 compared published fees sit above the Kansas median; 0 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kansas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Non-Network ATM
Paper Statement
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for The Western State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $233K | +$21K | +9.9% |
| Q1 2026 | $212K | −$5K | −2.3% |
| Q4 2025 | $217K | −$10K | −4.4% |
| Q3 2025 | $227K | +$12K | +5.6% |
| Q2 2025 | $215K | +$29K | +15.6% |
| Q1 2025 | $186K | +$2K | +1.1% |
| Q4 2024 | $184K | +$8K | +4.5% |
| Q3 2024 | $176K | +$14K | +8.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Western State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Western State Bank by share.
Amounts from The Western State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · waive your $9 monthly maintenance fee when you maintain an average collected balance of over $1,000
per month
per month
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waive your $9 monthly maintenance fee when you maintain an average collected balance of over $1,000 |
| Monthly Maintenance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Statement Fee | $3.50Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
ATM & Card | |||
| Fee for using an ATM not owned or operated by Western State Bank | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Western State Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $717.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 9 | $717.2M |
Largest competitors nearby
Local market: Finney, Sherman and Wichita counties, KS, where it holds the most deposits.
| 13 in its local market | Deposit share |
|---|---|
| Dream First Bank, National Association | 16.6% |
| Security State Bank | 12% |
| Equity Bank | 11% |
| KCB Bank | 9.2% |
| Commerce Bank | 8.5% |
This bank holds 28.1% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows