WEST TEXAS STATE BANK
WEST TEXAS STATE BANK is an FDIC-insured commercial bank headquartered in SNYDER, TX, established in 1950. As of , 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 4.80%. CET1 capital ratio: 9.66%. NPL ratio: 0.17% · Texas Ratio: 8.31%. Operates 4 domestic branches.
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 9.66% | 2.35% | 0.17% | 8.31% | 4.80% |
| 2025-09-30 | 9.46% | 2.37% | 1.29% | 14.90% | 4.73% |
| 2025-06-30 | 8.88% | 2.16% | 1.66% | 18.86% | 5.25% |
| 2025-03-31 | 9.80% | 2.67% | 0.02% | 9.34% | 4.94% |
| 2024-12-31 | 9.10% | 2.91% | 0.00% | 9.54% | 5.27% |
| 2024-09-30 | 9.42% | 2.18% | 0.00% | 10.01% | 5.07% |
| 2024-06-30 | 8.73% | 1.83% | 2.14% | 13.29% | 5.09% |
| 2024-03-31 | 8.38% | 2.76% | 0.23% | 1.39% | 4.73% |
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Frequently asked about WEST TEXAS STATE BANK
What are West Texas State Bank's total assets?
As of the Q4 2025 filing, West Texas State Bank reported total assets of $380.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Texas State Bank headquartered?
West Texas State Bank is headquartered in SNYDER, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was West Texas State Bank founded?
West Texas State Bank was established in 1950, per the FDIC institution directory.
Is West Texas State Bank FDIC-insured?
Yes. West Texas State Bank is an FDIC-insured commercial bank (FDIC Certificate #16866). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Texas State Bank?
West Texas State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is West Texas State Bank's CET1 capital ratio?
West Texas State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.66% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does West Texas State Bank operate?
West Texas State Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is West Texas State Bank's Texas Ratio?
West Texas State Bank's Texas Ratio is 8.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.