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West Texas National Bank
Midland, TX · FDIC Certificate #22957 · Chartered 09/2
Total assets
$2.88B
Total deposits
$2.56B
Total equity
$295.18M
Net loans
$1.47B
Branches (offices)
13
Net income (YTD)
$22.47M
Rank: #444 of 4,213 U.S. banks by assets · #36 of 346 in Texas. Assets changed 7.1% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 15.54% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 10.24% |
| Tier 1 leverage ratio | 10.52% |
| Uninsured deposits (share of deposits) | 64.1% |
| Noncurrent loans (share of loans) | 1.67% |
| Net charge-offs (share of loans) | 0.86% |
| Loans to deposits | 57.4% |
| Real estate loans (share of loans) | 60.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $892.81M | 60.7% | |
| Commercial & industrial | $500.64M | 34.0% | |
| Consumer / individual | $5.78M | 0.4% | |
| Construction & development | $198.90M | 13.5% | |
| Agricultural | $99.44M | 6.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.93B | $1.75B | $10.96M | $156.02M |
| Jun 2023 | $2.30B | $1.96B | $14.70M | $176.49M |
| Jun 2024 | $2.37B | $2.12B | $18.01M | $220.98M |
| Jun 2025 | $2.69B | $2.40B | $27.41M | $261.86M |
| Jun 2026 | $2.88B | $2.56B | $22.47M | $295.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.56B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.56B.
Similar-sized banks
Merchants Bank, National Association ($2.88B) · Jefferson Bank ($2.88B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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