West Texas National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
West Texas National Bank is one of the more profitable banks of its size. Based in Midland, Texas, it had $2.9 billion in assets at June 30, 2026, up 7.1% from a year earlier. It returns 20.8% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it holds about two-thirds of its deposits (64%) above the FDIC insurance limit, about double the median of 30.9% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Its $501 million commercial and industrial book is improving, with 1.31% past due or on nonaccrual, down from 4.23% a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.2% and deposits rose 6.7%. Credit is the area to watch: it carries problem assets equal to 9.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, West Texas National Bank reported a CET1 capital ratio of 16.75%, a return on assets of 2.15%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 9.68%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 6 Desta Dr, Midland, TX 79705
- County
- Midland
- Metro Area
- Midland, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 24, 1979
- Former names
- FNB Bank (2000-2001)
- Offices
- 13 domestic
- Employees (FTE)
- 228
- Domestic deposits
- $2.56B
- Allowance for credit losses
- $29.2M
- Net charge-offs (YTD)
- $6.6M
- Average total assets
- $2.82B
- Average total loans
- $1.52B
- Average interest-bearing deposits
- $1.66B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1979
- FDIC Cert
- 22957
- Fed RSSD
- 237066
- SEC CIK
- 1200399 → filed by FIRST WEST TEXAS BANCSHARES, INC.
- Website
- www.wtnb.com →
- Parent Holding Company
- FIRST WEST TEXAS BANCSHARES, INC. (RSSD 1109834)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full West Texas National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock West Texas National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
West Texas National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for West Texas National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.75% | 2.15% | 1.67% | 9.68% | 4.09% |
| Q1 2026 | 15.80% | 1.05% | 2.00% | 11.62% | 3.79% |
| Q4 2025 | 15.29% | 2.13% | 1.24% | 7.93% | 4.06% |
| Q3 2025 | 14.90% | 1.28% | 1.31% | 8.41% | 3.91% |
| Q2 2025 | 14.97% | 2.20% | 1.57% | 9.91% | 4.06% |
| Q1 2025 | 15.46% | 1.70% | 1.89% | 10.27% | 3.52% |
| Q4 2024 | 14.75% | 2.96% | 1.59% | 9.37% | 4.00% |
| Q3 2024 | 14.04% | 1.99% | 1.24% | 7.72% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Texas National Bank (main office) | Midland , TX | 79705 | $802.9M |
| Pecos Branch | Pecos , TX | 79772 | $725.8M |
| Marienfeld Branch | Midland , TX | 79701 | $351.3M |
| Seminole Branch | Seminole , TX | 79360 | $168.5M |
| Alpine Branch | Alpine , TX | 79830 | $127.1M |
| Wadley Branch | Midland , TX | 79707 | $124.7M |
| Kermit Branch | Kermit , TX | 79745 | $51.8M |
| Denver City Branch | Denver City , TX | 79323 | $46.8M |
| Crane Branch | Crane , TX | 79731 | $41.9M |
| Lubbock Branch | Lubbock , TX | 79424 | $37.1M |
| West Texas National Bank - Plainview Branch | Plainview , TX | 79072 | $34.0M |
| Odessa Branch | Odessa , TX | 79762 | $31.0M |
| The Quicksilver Branch | Terlingua , TX | 79852 | $17.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 20, 2001 | Structure Change | Acquired West Texas National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 19, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for West Texas National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 7, 2008, OCC: Civil Money Penalty (CMP): West Texas National Bank
- Period: Most recent institution action January 7, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 56 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about West Texas National Bank
What are West Texas National Bank's total assets?
As of the Q2 2026 filing, West Texas National Bank reported total assets of $2.88 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Texas National Bank headquartered?
West Texas National Bank is headquartered in Midland, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was West Texas National Bank founded?
West Texas National Bank was established in 1979, per the FDIC institution directory.
Is West Texas National Bank FDIC-insured?
Yes. West Texas National Bank is an FDIC-insured commercial bank (FDIC Certificate #22957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Texas National Bank?
West Texas National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is West Texas National Bank's CET1 capital ratio?
West Texas National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does West Texas National Bank operate?
West Texas National Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Texas National Bank's Texas Ratio?
West Texas National Bank's Texas Ratio is 9.68% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was West Texas National Bank previously called?
The charter now named West Texas National Bank has also operated as FNB Bank (2000-2001), per FDIC structure-change records.
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