The State National Bank of Big Spring
Also written as SNB of Big Spring
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Data as of · sourced from FFIEC call reports. How we update
The State National Bank of Big Spring is an FDIC-insured commercial bank headquartered in Big Spring, TX, established in 1909 (FDIC certificate 3103), and it is supervised by the OCC. At Q2 2026 it reported total assets of $640.0M, up 10.9% from Q2 2025, the 135th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3103
- Headquarters
- Big Spring, TX
- Established
- 1909
- Total assets, Q2 2026
- $640.0M
- Assets vs Q2 2025
- +10.9%
- Tier 1 leverage ratio, Q2 2026
- 11.19%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111302370
- Latest call report
- Q2 2026, FFIEC 051 · The State National Bank of Big Spring Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- SNB DELAWARE FINANCIAL, INC.
- Asset rank in state
- 135th of 346 in Texas
Problem loans are rising at The State National Bank of Big Spring. It reported $640 million in assets at June 30, 2026, up 10.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.63% of loans from 0.00% a year earlier. It spends about 33 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 10.4%. Delinquency has appeared in its $26 million commercial and industrial book: 2.10% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, The State National Bank of Big Spring reported a return on assets of 1.83%, a nonperforming-loan ratio of 1.63% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
The State National Bank of Big Spring ranks as the 135th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.0% to $640.0M, loans rose 4.0% and deposits rose 3.9%. Commercial and industrial loans made up 26.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.1%. The FDIC Summary of Deposits lists 3 offices for it, in Big Spring, TX, Lamesa, TX and Odonnell, TX; its Big Spring office books 90% of its branch deposits. Judged on its Q2 2026 call report, The State National Bank of Big Spring meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 901 S Main St, Big Spring, TX 79720
- County
- Howard
- Metro Area
- Big Spring, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1909
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $574.9M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $633.2M
- Average total loans
- $95.8M
- Average interest-bearing deposits
- $535.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3103
- Fed RSSD
- 169354
- Website
- www.statenational.bank →
- Parent Holding Company
- SNB DELAWARE FINANCIAL, INC. (RSSD 3236631)
- Ultimate Parent
- SNB FINANCIAL, INC. (RSSD 1110278)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The State National Bank of Big Spring reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The State National Bank of Big Spring's total assets moved between a low of $548.3M (Q3 2023) and a high of $640.0M (Q2 2026) 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
$640.0M total assets against $577.0M; $577.1M total liabilities against $522.8M.
$94.7M net loans and leases against $98.3M; $574.9M total deposits against $520.6M.
$476.7M securities against $434.0M; $51.8M cash and balances due against $28.3M.
$5.9M total interest income against $5.2M; $1.4M total interest expense against $1.5M.
$4.4M net interest income against $3.6M.
$278K total noninterest income against $276K; $1.6M total noninterest expense against $1.7M.
$205K provision for credit losses against $69K.
$2.9M net income against $2.2M.
1.83% return on assets against 1.50%; 3.00% net interest margin against 2.68%.
11.19% tier 1 leverage ratio against 10.74%.
Inside the full The State National Bank of Big Spring terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe State National Bank of Big Spring rankings
Its closest position to the top of a national ranking is 75 of 3,606, for efficiency ratio; its furthest is 2,079 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q3 2025) to 1.92% (Q4 2025) and its net interest margin ran from 2.41% (Q3 2024) to 3.00% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.19% | 1.83% | 1.63% | 2.42% | 3.00% |
| Q1 2026 | 11.03% | 1.76% | 1.12% | 1.64% | 2.97% |
| Q4 2025 | 10.57% | 1.92% | 1.32% | 2.02% | 2.92% |
| Q3 2025 | 10.79% | 0.83% | 1.32% | 2.07% | 2.67% |
| Q2 2025 | 10.74% | 1.50% | 0.00% | 0.00% | 2.68% |
| Q1 2025 | 10.35% | 1.36% | 0.00% | 0.00% | 2.54% |
| Q4 2024 | 10.23% | 1.44% | 0.00% | 0.00% | 2.48% |
| Q3 2024 | 12.06% | 1.33% | 0.00% | 0.00% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The State National Bank of Big Spring | Big Spring , TX | 79720 | $520.2M |
| Lamesa Branch | Lamesa , TX | 79331 | $39.5M |
| O'Donnell Branch | Odonnell , TX | 79351 | $15.2M |
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 |
|---|---|---|---|
| December 20, 2003 | Structure Change | Acquired The First National Bank of O'Donnell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 173 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The State National Bank of Big Spring
What are The State National Bank of Big Spring's total assets?
As of the Q2 2026 filing, The State National Bank of Big Spring reported total assets of $640.0 million in its FFIEC call report.
Where is The State National Bank of Big Spring headquartered?
It is headquartered in Big Spring, TX, United States.
When was The State National Bank of Big Spring founded?
It was established in 1909, per the FDIC institution directory.
Is The State National Bank of Big Spring FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State National Bank of Big Spring?
The State National Bank of Big Spring's primary federal regulator is the OCC.
How many branches does The State National Bank of Big Spring operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State National Bank of Big Spring's Texas Ratio?
Its Texas Ratio is 2.42% 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.
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