Bank of the West
BankRegReports is independent of Bank of the West and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of the West is an FDIC-insured commercial bank headquartered in Grapevine, TX, established in 1986 (FDIC certificate 26627), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $829.8M, up 8.9% from Q2 2025, the 107th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26627
- Headquarters
- Grapevine, TX
- Established
- 1986
- Total assets, Q2 2026
- $829.8M
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 15.31%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 111916724
- Latest call report
- Q2 2026, FFIEC 041 · Bank of the West call report
- Holding company
- GREATER SOUTHWEST BANCSHARES, INC.
- Asset rank in state
- 107th of 346 in Texas
Bank of the West, based in Grapevine, Texas, reported $830 million in assets at June 30, 2026, up 8.9% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also shrank its loan book 2.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 2.0% and deposits rose 8.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of the West reported a CET1 capital ratio of 15.31%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of the West is the 107th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $829.8M, loans rose 1.1% and deposits rose 3.7%. Owner-occupied commercial real estate loans made up 27.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.9%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in TX; its Irving 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, Bank of the West meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 W Northwest Hwy, Grapevine, TX 76051
- County
- Tarrant
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 1, 1986
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 121
- Domestic deposits
- $747.1M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $812.0M
- Average total loans
- $501.1M
- Average interest-bearing deposits
- $452.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1986
- FDIC Cert
- 26627
- Fed RSSD
- 859552
- Website
- www.bnkwest.com →
- Parent Holding Company
- GREATER SOUTHWEST BANCSHARES, INC. (RSSD 1141384)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of the West's total assets moved between a low of $761.8M (Q2 2025) and a high of $829.9M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$829.8M total assets against $761.8M; $752.6M total liabilities against $691.7M.
$498.0M net loans and leases against $508.7M; $747.1M total deposits against $686.9M.
$80.9M securities against $77.4M; $217.0M cash and balances due against $141.6M.
$11.5M total interest income against $11.4M; $3.1M total interest expense against $3.0M.
$8.4M net interest income against $8.4M.
$726K total noninterest income against $600K; $5.6M total noninterest expense against $5.1M.
$105K provision for credit losses against $150K.
$3.4M net income against $3.7M.
1.66% return on assets against 1.88%; 4.35% net interest margin against 4.50%.
15.31% CET1 capital ratio against 14.33%; 9.66% tier 1 leverage ratio against 9.37%.
Inside the full Bank of the West terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of the West rankings
Its closest position to the top of a national ranking is 984 of 3,611, for ROA; its furthest is 3,378 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q4 2025) to 1.96% (Q3 2025) and its net interest margin ran from 4.26% (Q1 2026) to 4.68% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.31% | 1.66% | 0.00% | 0.00% | 4.35% |
| Q1 2026 | 15.36% | 1.58% | 0.14% | 0.83% | 4.26% |
| Q4 2025 | 15.12% | 1.50% | 0.00% | 0.00% | 4.53% |
| Q3 2025 | 14.56% | 1.96% | 0.00% | 1.53% | 4.68% |
| Q2 2025 | 14.33% | 1.88% | 0.00% | 3.08% | 4.50% |
| Q1 2025 | 14.37% | 1.57% | 0.76% | 2.27% | 4.37% |
| Q4 2024 | 14.62% | 1.54% | 0.56% | 0.83% | 4.45% |
| Q3 2024 | 14.87% | 1.84% | 0.61% | 1.90% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Grapevine Main Branch | Grapevine , TX | 76051 | $209.7M |
| Belt Line Branch | Irving , TX | 75061 | $186.6M |
| Lewisville Branch | Lewisville , TX | 75057 | $104.8M |
| Irving Blvd | Irving , TX | 75061 | $78.2M |
| Flower Mound Branch | Flower Mound , TX | 75028 | $63.0M |
| Ponder Texas Branch | Ponder , TX | 76259 | $38.6M |
| Horseshoe Bay Branch | Horseshoe Bay , TX | 78657 | $26.2M |
| Vernon Branch | Vernon , TX | 76384 | $23.4M |
| Marble Falls Branch | Marble Falls , TX | 78654 | $16.6M |
| Bank of the West (main office) | Grapevine , TX | 76051 | $0 |
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 |
|---|---|---|---|
| May 2, 2009 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 1, 1991, Federal Reserve: Written Agreement: Bank of the West, Irving, TX
- Period: Most recent institution action March 1, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 143 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 13 loans originated, $37.6M originated, across 2 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $253K approved, $126K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of the West’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of the West
What are Bank of the West's total assets?
As of the Q2 2026 filing, Bank of the West reported total assets of $829.8 million in its FFIEC call report.
Where is Bank of the West headquartered?
It is headquartered in Grapevine, TX, United States.
When was Bank of the West founded?
It was established in 1986, per the FDIC institution directory.
Is Bank of the West FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the West?
Bank of the West's primary federal regulator is the FDIC.
What is Bank of the West's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of the West operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the West's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of the West.
Get an email when Bank of the West files its next call report, and benchmark it against any peer you choose.
Unlock Bank of the West, freeFree account