West Texas National Bank
West Texas National Bank reported total assets of $2.9 bn at Q2 2026, up 7.1% on a year earlier, the 438th largest of 497 banks in our US coverage. The CET1 capital ratio at West Texas National Bank was 16.75%, and the uninsured share of West Texas National Bank was 64.10%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), West Texas National Bank slipped from 28th to 112th among 500 US banks between and (1 = highest; FDIC Call Reports).
- West Texas National Bank has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 64.10% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- The loan-to-deposit ratio of West Texas National Bank, 57.44% at , places West Texas National Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%; FDIC Call Reports).
What sets West Texas National Bank apart
- Few banks of $1 bn to $10 bn report a higher net charge-offs to average loans than West Texas National Bank, at 0.86% in against a group median of 0.06%.
How large is West Texas National Bank?
The balance sheet of West Texas National Bank at : assets $2.9 bn, deposits $2.6 bn, net loans $1.5 bn (loans equal to 57.44% of deposits). Securities make up 23.0% of total assets at West Texas National Bank. Since , when West Texas National Bank held $1.1 bn, its assets grew 151.0%. In the year to , deposits at West Texas National Bank rose 6.7% while its total assets rose 7.1%. At , West Texas National Bank employed 228 full-time equivalent staff across 13 offices, about $12.6 mn of assets per employee and $196.9 mn of deposits per office.
How much funding at West Texas National Bank is uninsured?
At West Texas National Bank, uninsured deposits (above the FDIC limit) made up 64.10% of domestic deposits at (+6.72 pp on a year earlier); West Texas National Bank ranks 19th of 500 on this measure. In dollars, West Texas National Bank estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +6.7% | 409th of 499 |
| Net loans and leases | $1.5 bn | +1.2% | 486th of 500 |
| Loan-to-deposit ratio | 57.44% | -3.11 pp | 462nd of 500 |
| Tier 1 leverage ratio | 10.52% | +1.14 pp | 226th of 500 |
| Total risk-based capital ratio | 18.01% | +1.78 pp | 69th of 448 |
| Net interest margin | 3.95% | +0.08 pp | 155th of 500 |
| Return on assets (ROA) | 1.59% | -0.38 pp | 129th of 500 |
| Efficiency ratio | 46.51% | +5.88 pp | 96th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.3 mn | Narrowed by $685,000 | |
| Noncurrent loans to total loans | 1.67% | +0.10 pp | 440th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.86% | +0.82 pp | 463rd of 500 (1 = lowest) |
US rank of West Texas National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
West Texas National Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.6bn
- Net loans $1.5bn
Capital and securities
The CET1 ratio of West Texas National Bank stood at 16.75% in , +1.78 pp year on year. Low and high at West Texas National Bank since : 12.75% () to 16.75% (). Equity capital of West Texas National Bank at : $295.2 mn, or 10.2% of total assets. West Texas National Bank also reported a total capital ratio of 18.01% for , and a tier 1 leverage ratio of 10.52%.
The available-for-sale portfolio of West Texas National Bank showed an unrealized loss of $9.3 mn at ; the loss narrowed by $685,000 over the year.
West Texas National Bank: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 11%
West Texas National Bank: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , West Texas National Bank earned a return on equity of 15.54%; return on assets: 1.59%. Net interest margin at West Texas National Bank: 3.95%, +0.08 pp in a year. West Texas National Bank net income: $22.5 mn, down 18.0% year on year. The efficiency ratio of West Texas National Bank was 46.51%: about 47 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 1.67% of total loans at West Texas National Bank; net charge-offs: 0.86% of average loans. Gross loans and leases at West Texas National Bank: $1.5 bn, up 1.2% in a year.
West Texas National Bank: profitability
- Return on equity 16%
- Net interest margin 3.9%
- Return on assets 1.6%
Peer group of West Texas National Bank
The peer group of West Texas National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of West Texas National Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, West Texas National Bank shows CET1 ratio 16.75% against a peer median of 14.92%, return on equity 15.54% against a peer median of 11.80% and uninsured deposit share 64.10% against a peer median of 29.27%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| National Exchange Bank and Trust | National bank | WI | $2.9 bn | not reported | 8.80% | 40.12% | |
| American First National Bank | National bank | TX | $2.9 bn | 16.38% | 15.49% | 22.72% | |
| Merchants Bank | National bank | MN | $2.9 bn | 13.46% | 10.53% | 25.78% | |
| West Texas National Bank | National bank | TX | $2.9 bn | 16.75% | 15.54% | 64.10% | |
| Jefferson Bank | State nonmember bank | TX | $2.9 bn | not reported | 13.07% | 56.54% | |
| BayCoast Bank | State-chartered stock savings bank | MA | $2.9 bn | 10.77% | 5.65% | 32.75% | |
| WebBank | State nonmember bank | UT | $2.9 bn | 18.10% | 28.37% | 13.87% | |
. FDIC Call Reports.
Last eight quarters
Two years at West Texas National Bank, to : assets +15.6%, deposits +15.1%, equity +22.9%. Staff 219 to 228.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.8 bn | $2.9 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.9 bn |
| Total deposits | $2.2 bn | $2.5 bn | $2.6 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.6 bn |
| Bank equity capital | $240.2 mn | $242.8 mn | $252.2 mn | $261.9 mn | $275.4 mn | $285.8 mn | $286.5 mn | $295.2 mn |
| CET1 ratio | 14.04% | 14.75% | 15.46% | 14.97% | 14.90% | 15.29% | 15.80% | 16.75% |
| Return on equity (ROE) | 18.76% | 22.82% | 19.28% | 21.73% | 18.67% | 19.34% | 10.25% | 15.54% |
| Uninsured share of domestic deposits | 63.83% | 57.21% | 56.41% | 57.38% | 56.21% | 58.39% | 61.00% | 64.10% |
| Full-time equivalent employees | 219 | 217 | 217 | 212 | 210 | 210 | 226 | 228 |
| Number of offices | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by West Texas National Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of West Texas National Bank?
West Texas National Bank reported $2.9 bn at in its Call Report. That makes West Texas National Bank the 438th largest of 497 banks in our US coverage.
Is West Texas National Bank the same as its holding company?
No. This page covers West Texas National Bank, FDIC certificate 22957; FIRST WEST TX BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is West Texas National Bank profitable?
West Texas National Bank reported net income of $22.5 mn for the year to ; annualized return on equity: 15.54%. So yes: West Texas National Bank made a profit over these months.
When is data for West Texas National Bank next updated?
Figures from West Texas National Bank for are due after .
Where can I check the figures for West Texas National Bank?
In the FDIC BankFind Suite record for certificate 22957, and in the Call Reports of West Texas National Bank (RSSD ID 237066) at the FFIEC Central Data Repository.