WESTERN BANK

LUBBOCK, TX | Medium | Est. Jan. 1, 1909, midnight | FDIC #1720 | RSSD #199463 | FDIC
Latest Report: 2025-12-31

WESTERN BANK is amn medium FDIC-insured commercial bank headquartered in LUBBOCK, TX, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $845M and total deposits of $729M. Profitability stands at 1.24% ROA and 14.40% ROE, with a net interest margin of 5.37%. The bank's CET1 capital ratio is 8.62%. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 8.66%. FDIC Certificate #1720.

Assets

$845M

Deposits

$729M

Loans

$685M

Equity

$73M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 14.40%
Net Interest Margin (NIM) 5.37%
Yield on Assets 7.37%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.04%
Texas Ratio 8.66%
NPA Ratio 0.84%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 8.62%
Tier 1 Capital 8.62%
Total Capital Ratio 9.06%
Leverage Ratio 9.29%
Loan-to-Deposit 94.02%

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