What are the current interest rates at Westside State Bank?

Current rates for Westside State Bank include: 12-Month CD: 3.75%, 18-Month CD: 3.75%, 24-Month CD: 3.75%, 36-Month CD: 1.55%, 48-Month CD: 1.60%, 60-Month CD: 1.65%, Savings: 2.75%, MMA: 2.17%

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Westside State Bank

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Westside State Bank Rates & Review October 2026

Q: How many branches does Westside State Bank operate?

Westside State Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Westside State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westside State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Westside State Bank's top rates as of October 10, 2026 are 4.35% APY on its Special CDs - 13-Month CD, 2.75% APY on savings, and 2.17% APY on money market accounts, according to rates verified by MonitorBankRates. Other Westside State Bank CD rates include 13-Month Special CDs at 4.10%, Special CDs - 13-Month at 4.10%, and 6-Months 6-Month Special CDs at 4.04%. MonitorBankRates evaluates the financial stability of Westside State Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.31%. Rates last updated and verified on 10/10/2026.

Westside State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Westside State Bank? Share your experience about Westside State Bank by leaving a review below, or read customer reviews before you decide to use Westside State Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.31%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Westside State Bank

401 1st St
Westside, IA 51467

https://www.wsbankonline.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Westside State Bank CD Rates

Product	Rate	APY	Term
Special CDs - 13 Month	4.35%	4.35%	13 Month
Min Balance $100,000 Details Deposit Amount: => $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
13 Month Special CDs	4.10%	4.10%	13 Month
Min Balance $0 Details Balance: < $100,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Special CDs - 13 Month	4.10%	4.10%	13 Month
Min Balance $0 Details Deposit Amount: < $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
6 Month Special CDs	4.00%	4.04%	6 Months
Min Balance $100,000 Details Deposit Amount: => $100,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
6 Month Certificates of Deposit (CDs)	3.75%	3.79%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
6 Month Special CDs	3.75%	3.79%	6 Months
Min Balance $0 Details Deposit Amount: < $100,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
6 Month Special CDs	3.75%	3.79%	6 Months
Min Balance $0 Details Balance: < $100,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 6 MONTH CD	3.75%	3.79%	6 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
12 Month Certificates of Deposit (CDs)	3.75%	3.75%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
18 Month Certificates of Deposit (CDs)	3.75%	3.75%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
24 Month Certificates of Deposit (CDs)	3.75%	3.75%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 12 MONTH CD	3.75%	3.75%	12 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 18 MONTH CD	3.75%	3.75%	18 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 24 MONTH CD	3.75%	3.75%	24 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
60 Month Certificates of Deposit (CDs)	1.65%	1.65%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 60 MONTH CD	1.65%	1.65%	60 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
48 Month Certificates of Deposit (CDs)	1.60%	1.60%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 48 MONTH CD	1.60%	1.60%	48 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
36 Month Certificates of Deposit (CDs)	1.55%	1.55%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 36 MONTH CD	1.55%	1.55%	36 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
30 Month Certificates of Deposit (CDs)	1.50%	1.50%	30 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 30 MONTH CD	1.50%	1.50%	30 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
15 Month Certificates of Deposit (CDs)	1.40%	1.40%	15 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA 15 MONTH CD	1.40%	1.40%	15 month(s)
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%

Westside State Bank Savings Rates

Product	Rate	APY
Passbook Savings	2.10%	2.12%
Min Deposit $1 Min Balance $250,000 Details Balance: $250,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Passbook Savings	1.50%	1.51%
Min Deposit $1 Min Balance $150,000 Details Balance: $150,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
IRA SAVINGS	1.35%	1.36%
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.36% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Passbook Savings	0.60%	0.60%
Min Deposit $1 Min Balance $1 Details Balance: $1 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%

Westside State Bank Business Savings Rates

Product	Rate	APY
Business Savings	2.75%	2.75%
Min Deposit $1 Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Business Savings	2.15%	2.15%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Business Savings	0.60%	0.60%
Min Deposit $1 Min Balance $1 Details Balance: $1 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Business Savings	0.25%	0.25%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Business Savings	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%

Westside State Bank Money Market Rates

Product	Rate	APY
Money Market Account	2.15%	2.17%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.17% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Money Market Account	0.60%	0.60%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%

Westside State Bank Other Rates

Product	Rate	Points	APY/APR	Term
Certificates of Deposit (CDs) - 12 Months	3.75%	-	3.75%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 15 Months	1.40%	-	1.40%	15 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 18 Months	3.75%	-	3.75%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 24 Months	3.75%	-	3.75%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 30 Months	1.50%	-	1.50%	30 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 36 Months	1.55%	-	1.55%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 48 Months	1.60%	-	1.60%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 6 Months	3.75%	-	3.79%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Certificates of Deposit (CDs) - 60 Months	1.65%	-	1.65%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Cash Checking	2.47%	-	2.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 2.47% Interest Rate; 2.50% APY; Balance: $0 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $50 Min Balance $0 Details All balances if qualifications not met Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 0.05% ▼ 2.45 pts · high 2.50% / low 0.05% Oct 6, 20260.05%▼ from 2.50% Sep 30, 20262.50%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Cash Checking Account	-	-	0.05%
Min Deposit $50 Details When qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	1.50%	-	1.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	0.60%	-	0.60%
Min Deposit $1 Min Balance $1 Details Balance: $1 - $149,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	1.50%	-	1.51%
Min Deposit $1 Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	2.10%	-	2.12%
Min Deposit $1 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 0.75% → 2.12% ▲ 1.37 pts · high 2.12% / low 0.75% Oct 10, 20262.12%▲ from 0.75% Sep 30, 20260.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	2.75%	-	2.75%
Min Deposit $1 Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.17% → 2.75% ▲ 0.58 pts · high 2.75% / low 2.17% Oct 10, 20262.75%▲ from 2.17% Sep 30, 20262.17%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	2.15%	-	2.15%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 0.75% → 2.15% ▲ 1.40 pts · high 2.15% / low 0.75% Oct 10, 20262.15%▲ from 0.75% Sep 30, 20260.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	2.15%	-	2.17%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.17% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	0.75%	-	0.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	0.75%	-	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	0.65%	-	0.65%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	0.60%	-	0.60%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	0.05%	-	0.05%
Min Deposit $50 Min Balance $0 Details Balance: All balances if qualifications not met Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 1.50% → 0.05% ▼ 1.45 pts · high 1.50% / low 0.05% Oct 6, 20260.05%▼ from 1.50% Sep 30, 20261.50%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Kasasa Saver Savings	-	-	0.05%
Min Deposit $50 Min Balance $0 Details All balances earn 0.05% APY when Kasasa Cash qualifications are not met. Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 1.50% → 0.05% ▼ 1.45 pts · high 1.50% / low 0.05% Oct 6, 20260.05%▼ from 1.50% Sep 30, 20261.50%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	3.75%	-	3.79%	6 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.79% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	3.75%	-	3.75%	12 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	1.40%	-	1.40%	15 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	3.75%	-	3.75%	18 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	3.75%	-	3.75%	24 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	1.50%	-	1.50%	30 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	1.55%	-	1.55%	36 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.55% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	1.60%	-	1.60%	48 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Qualifications	1.65%	-	1.65%	60 Months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.65% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Special CDs - 6 Months	3.75%	-	3.79%	6 Months
Min Balance $0 Details Deposit Amount: < $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%
Special CDs - 6 Months	4.00%	-	4.04%	6 Months
Min Balance $100,000 Details Deposit Amount: => $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Westside State Bank’s Texas Ratio rose from 1.38% in Q3 2023 to 15.31% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$269M	15.31%	5.0	A-
March 31, 2026	$259M	15.46%	5.0	A-
December 31, 2025	$255M	2.06%	5.0	A+
September 30, 2025	$248M	1.22%	5.0	A+
June 30, 2025	$245M	2.25%	5.0	A+
March 31, 2025	$227M	0.95%	5.0	A+
December 31, 2024	$220M	1.11%	5.0	A+
September 30, 2024	$229M	1.45%	5.0	A+
June 30, 2024	$216M	2.11%	5.0	A+
March 31, 2024	$201M	1.42%	5.0	A+
December 31, 2023	$191M	0.15%	5.0	A+
September 30, 2023	$187M	1.38%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Westside State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Westside State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Westside State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Westside State Bank

Bank Holding Company HALBUR BANCSHARES INC

Address 401 1st St, Westside, IA 51467 · Crawford

Website https://www.wsbankonline.com

FDIC Certificate # 18518

Established 19070601

FDIC Insurance Date 19620503

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.31%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2059%

Return on Equity (ROE) 14.5000%

Non-Performing Loans (NPL) 1.38%

Total Assets $268,714,000

Total Deposits $208,411,000

Equity Capital $24,180,000

Net Income $1,574,000

Headquarters Westside

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Westside State Bank

How many branches does Westside State Bank operate?

Westside State Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Westside State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westside State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Westside State Bank offer online and mobile banking?

Most modern institutions like Westside State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wsbankonline.com.