Bank · FDIC insured
Westside State Bank
A $268.7M bank headquartered in Westside, IA, with 6 branches in 2 states. Best rates: CDs 4.35% and savings 0.65% APY.
Westside State Bank Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#2 of 4 in Carroll, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Westside State Bank
Westside State Bank opened the doors to its first location in 1906.
The bank serves the people of Western Iowa, Eastern Nebraska and beyond.
- Headquarters
- 401 1st St, Westside, IA 51467
- FDIC certificate
- 18518 ↗
Branches
6 branches in 2 states
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Iowa
5 branches
Carroll area · 2
- Westside State Bank1012 N Us Highway 71, Carroll, IA 51401Directions
- Halbur Branch103 N Main St, Halbur, IA 51444Directions
Westside area · 1
- Westside State BankMain office401 1st St, Westside, IA 51467Directions
Vail area · 1
- Vail Branch115 Highway 30, Vail, IA 51465Directions
Wall Lake area · 1
- Wall Lake Branch202 W 1st St, Wall Lake, IA 51466Directions
Nebraska
1 branch
- Bellevue Branch923 Galvin Rd S, Bellevue, NE 68005Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.82% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.57% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.21% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $113 | $81 | — |
- CapitalLeverage ratio8.82%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.57%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.21%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$113Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Westside State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.