WEST TEXAS NATIONAL BANK

MIDLAND, TX | Large | Est. Sept. 24, 1979, midnight | FDIC #22957 | RSSD #237066 | OCC
Latest Report: 2025-12-31

WEST TEXAS NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in MIDLAND, TX, established in Sept. 24, 1979, midnight. As of 2025-12-31, the bank reported total assets of $2.8B and total deposits of $2.5B. Profitability stands at 2.13% ROA and 21.15% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 15.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.24% and a Texas Ratio of 7.71%. FDIC Certificate #22957.

Assets

$2.8B

Deposits

$2.5B

Loans

$1.5B

Equity

$286M

Profitability

Return on Assets (ROA) 2.13%
Return on Equity (ROE) 21.15%
Net Interest Margin (NIM) 4.28%
Yield on Assets 6.16%
Cost of Funds 3.06%

Asset Quality

NPL Ratio 1.24%
Net Charge-Off Ratio 0.60%
Texas Ratio 7.71%
NPA Ratio 0.86%
ACL / Loans 1.90%

Capital & Liquidity

CET1 Ratio 15.29%
Tier 1 Capital 15.29%
Total Capital Ratio 16.54%
Leverage Ratio 9.97%
Loan-to-Deposit 61.80%

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