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West Bank
West Des Moines, IA · FDIC Certificate #15614 · Chartered 01/0
Total assets
$4.03B
Total deposits
$3.35B
Total equity
$378.15M
Net loans
$2.92B
Branches (offices)
11
Net income (YTD)
$24.17M
Rank: #332 of 4,213 U.S. banks by assets · #4 of 225 in Iowa. Assets changed -0.7% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 13.02% |
| Net interest margin (YTD) | 2.78% |
| Equity to assets | 9.39% |
| Tier 1 leverage ratio | 10.79% |
| Uninsured deposits (share of deposits) | 49.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 87.1% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.42B | 82.9% | |
| Commercial & industrial | $424.03M | 14.5% | |
| Consumer / individual | $5.58M | 0.2% | |
| Construction & development | $325.48M | 11.1% | |
| Agricultural | $1.48M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.47B | $2.85B | $26.96M | $329.52M |
| Jun 2023 | $3.68B | $2.84B | $16.74M | $329.27M |
| Jun 2024 | $3.96B | $3.19B | $13.86M | $331.68M |
| Jun 2025 | $4.06B | $3.40B | $18.48M | $344.27M |
| Jun 2026 | $4.03B | $3.35B | $24.17M | $378.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $2.86B | 7 |
| Minnesota | $492.37M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.35B.
Similar-sized banks
Spencer Savings Bank, Sla ($4.04B) · California Bank Of Commerce, National Association ($4.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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