Bank Comparison
West Texas National Bank vs State Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | West Texas National Bank | State Bank of Texas |
|---|---|---|
| CET1 Ratio | 15.80% | — |
| Tier 1 Capital Ratio | 15.80% | — |
| Total Capital Ratio | 17.06% | — |
| Tier 1 Leverage Ratio | 10.11% | 14.73% |
| Equity / Assets | 10.30% | 14.52% |
Profitability
| Metric | West Texas National Bank | State Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.05% | 3.96% |
| Return on Equity (ROE) | 10.25% | 26.95% |
| Net Interest Margin (NIM) | 3.79% | 5.05% |
| Yield on Earning Assets | 5.43% | 8.31% |
| Cost of Funds | 1.79% | 3.65% |
Asset quality
| Metric | West Texas National Bank | State Bank of Texas |
|---|---|---|
| Texas Ratio | 11.62% | 14.96% |
| Non-Performing Loan Ratio | 2.00% | 1.15% |
| Non-Performing Asset Ratio | 1.30% | 2.22% |
| Net Charge-Off Ratio | 0.53% | 0.01% |
| ACL / Loans | 2.19% | 1.07% |
Balance sheet
| Metric | West Texas National Bank | State Bank of Texas |
|---|---|---|
| Total Assets | $2,781M | $2,764M |
| Total Deposits | $2,468M | $2,223M |
| Total Loans | $1,543M | $2,231M |
| Total Equity | $286,519K | $401,316K |
| Net Income (quarter) | $7,335K | $27,239K |
Liquidity & funding
| Metric | West Texas National Bank | State Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 62.52% | 100.35% |
| Core Deposit Ratio | 95.44% | 83.03% |
| Uninsured Deposit Ratio | 61.00% | 17.22% |
Identity
| Metric | West Texas National Bank | State Bank of Texas |
|---|---|---|
| Headquarters City | MIDLAND | IRVING |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 24185 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 13 | 7 |
| Employees (FTE) | 226 | 96 |
| Established | Sept. 24, 1979, midnight | Oct. 19, 1987, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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