SBA lender profile
Western State Bank
Western State Bank appears in the public SBA loan data with 52 funded 7(a) loans since FY2010, totaling $39.6M, an average of $762K per loan, and an estimated 1,341 jobs supported. Its SBA lending concentrates in Arizona and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 9.6%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 51
- Scale 42
- Activity 67
- Consistency 57
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Western State Bank the right lender for you?
Lenders fund what they know. Western State Bank's SBA lending concentrates in Arizona (6 loans) and Accommodation and Food Services (26 loans), at an average loan of $762K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $30M
- Headquarters
- Howard City, MI
- FDIC cert
- #11400
- Status
- Inactive
Where Western State Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Arizona | 6 | $8.1M |
| California | 8 | $4.8M |
| Michigan | 6 | $3.9M |
| Florida | 6 | $3.8M |
| Oklahoma | 1 | $3.8M |
| Washington | 1 | $3.5M |
What Western State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 26 | $14.6M |
| Arts, Entertainment, Recreation | 12 | $13.7M |
| Real Estate | 3 | $5.2M |
| Other Services | 2 | $1.3M |
| Information | 2 | $1.2M |
| Professional and Technical Services | 1 | $1.1M |
Western State Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1 | $435K |
| 2012 | 1 | $1.2M |
| 2013 | 2 | $4.0M |
| 2018 | 1 | $345K |
| 2020 | 13 | $8.1M |
| 2021 | 15 | $7.2M |
| 2022 | 5 | $1.9M |
| 2023 | 7 | $7.0M |
| 2024 | 6 | $9.0M |
| 2025 | 1 | $549K |
Related SBA lenders
Other lenders active in Arizona or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Western State Bank: frequently asked questions
Does Western State Bank offer SBA loans?
Yes. Western State Bank appears in the public SBA data with 52 funded SBA 7(a) loans totaling $39.6M.
How many SBA loans has Western State Bank made?
Western State Bank is associated with 52 SBA 7(a) loans totaling $39.6M in the public SBA data (as of 2026-03-31).
What is Western State Bank's SBA charge-off rate?
About 9.6% of Western State Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Western State Bank do most of its SBA lending?
Western State Bank's SBA lending in the data is most concentrated in Arizona, and by industry in Accommodation and Food Services.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Western State Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/western-state-bank/
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