SBA lender profile
Western State Bank
Western State Bank appears in the public SBA loan data with 47 funded 7(a) loans totaling $33.7M, an average of $717K per loan, and an estimated 1,269 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across all of its loans in the data, its charge-off rate is 8.5%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
47
Total volume
$33.7M
Average loan size
$717K
Charge-off rate
8.5%
Share of funded loans charged off
Jobs supported (reported)
1,269
Programs
7(a)
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 |
|---|---|---|
| California | 8 | $4.8M |
| Michigan | 6 | $3.9M |
| Florida | 6 | $3.8M |
| Oklahoma | 1 | $3.8M |
| Arizona | 3 | $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 | 25 | $14.2M |
| Arts, Entertainment, Recreation | 11 | $12.5M |
| Real Estate | 2 | $2.2M |
| Other Services | 2 | $1.3M |
| Information | 2 | $1.2M |
| Professional and Technical Services | 1 | $1.1M |
Western State Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 13 | $8.1M |
| 2021 | 15 | $7.2M |
| 2022 | 5 | $1.9M |
| 2023 | 7 | $7.0M |
| 2024 | 6 | $9.0M |
| 2025 | 1 | $549K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Western State Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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