BanksWEST TEXAS STATE BANK

WEST TEXAS STATE BANK

SNYDER, TXSmallEst. Jan. 14, 1950, midnightFDIC #16866RSSD #406666FDIC
Latest · 2025-12-31

WEST TEXAS STATE BANK is an 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%. CET1 capital ratio: 9.66%. NPL ratio: 0.17% · Texas Ratio: 8.31%. Operates 4 domestic branches.

Assets
$381M
Deposits
$335M
Loans
$247M
Equity
$42M

Profitability

Return on Assets (ROA)2.35%
Return on Equity (ROE)21.32%
Net Interest Margin5.00%
Yield on Assets7.46%
Cost of Funds2.57%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio0.02%
Texas Ratio8.31%
NPA Ratio1.00%
ACL / Loans1.45%

Capital & Liquidity

CET1 Ratio9.66%
Tier 1 Capital9.66%
Total Capital Ratio10.14%
Leverage Ratio10.97%
Loan-to-Deposit73.66%

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