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Western Bank
Lubbock, TX · FDIC Certificate #1720 · Chartered 01/0
Total assets
$947.18M
Total deposits
$796.87M
Total equity
$83.84M
Net loans
$763.41M
Branches (offices)
9
Net income (YTD)
$8.39M
Rank: #1,093 of 4,213 U.S. banks by assets · #98 of 346 in Texas. Assets changed 16.8% and deposits 11.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 21.66% |
| Net interest margin (YTD) | 5.28% |
| Equity to assets | 8.85% |
| Tier 1 leverage ratio | 9.77% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 67.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $515.17M | 67.5% | |
| Commercial & industrial | $177.46M | 23.2% | |
| Consumer / individual | $1.56M | 0.2% | |
| Construction & development | $95.15M | 12.5% | |
| Agricultural | $42.97M | 5.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $450.82M | $398.70M | $1.93M | $36.25M |
| Jun 2023 | $625.20M | $515.22M | $5.67M | $47.74M |
| Jun 2024 | $753.73M | $638.75M | $4.91M | $59.99M |
| Jun 2025 | $811.13M | $717.87M | $7.35M | $68.15M |
| Jun 2026 | $947.18M | $796.87M | $8.39M | $83.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $796.87M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $796.87M.
Similar-sized banks
American Bank Of Freedom ($948.27M) · Winchester Co-Operative Bank ($946.88M)
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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