WEST TEXAS STATE BANK

SNYDER, TX | Small | Est. Jan. 14, 1950, midnight | FDIC #16866 | RSSD #406666 | FDIC
Latest Report: 2025-12-31

WEST TEXAS STATE BANK is asn small FDIC-insured commercial bank headquartered in SNYDER, TX, established in Jan. 14, 1950, midnight. As of 2025-12-31, the bank reported total assets of $381M and total deposits of $335M. Profitability stands at 2.35% ROA and 21.32% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 8.29%. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 8.31%. FDIC Certificate #16866.

Assets

$381M

Deposits

$335M

Loans

$247M

Equity

$42M

Profitability

Return on Assets (ROA) 2.35%
Return on Equity (ROE) 21.32%
Net Interest Margin (NIM) 5.00%
Yield on Assets 7.46%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.02%
Texas Ratio 8.31%
NPA Ratio 1.00%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 8.29%
Tier 1 Capital 8.29%
Total Capital Ratio 8.70%
Leverage Ratio 10.97%
Loan-to-Deposit 73.66%

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