Western State Bank is a full-services bank. The bank offers a wide variety of personal and business banking services, such as personal checking accounts, loans, savings plans, business services and many more. It offers a wide variety of lending options, such as home equity, installment, fixed rate and adjustable rate mortgages. Bauer Financial has awarded Western State Bank a 5 star rating. The bank also offers Internet banking services. It is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.