West Texas National Bank
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Data as of · sourced from FFIEC call reports. How we update
West Texas National Bank is an FDIC-insured commercial bank headquartered in Midland, TX, established in 1979 (FDIC certificate 22957), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.88B, up 7.1% from Q2 2025, the 36th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22957
- Headquarters
- Midland, TX
- Established
- 1979
- Total assets, Q2 2026
- $2.88B
- Assets vs Q2 2025
- +7.1%
- CET1 ratio, Q2 2026
- 16.75%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 112304678
- Latest call report
- Q2 2026, FFIEC 041 · West Texas National Bank call report
- Holding company
- FIRST WEST TEXAS BANCSHARES, INC.
- Asset rank in state
- 36th of 346 in Texas
West Texas National Bank is one of the more profitable banks of its size. Based in Midland, Texas, it had $2.9 billion in assets at June 30, 2026, up 7.1% from a year earlier. It returns 20.8% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it holds about two-thirds of its deposits (64%) above the FDIC insurance limit, about double the median of 30.9% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Its $501 million commercial and industrial book is improving, with 1.31% past due or on nonaccrual, down from 4.23% a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.2% and deposits rose 6.7%. Credit is the area to watch: it carries problem assets equal to 9.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, West Texas National Bank reported a CET1 capital ratio of 16.75%, a return on assets of 2.15%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 9.68%. The figures come from its call report filed with the FFIEC.
West Texas National Bank ranks as the 36th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.6% to $2.88B, loans fell 2.8% and deposits rose 3.7%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 33.4% of total loans, followed by 1-4 family residential loans at 21.3%. The FDIC Summary of Deposits lists 13 offices for it, in 11 cities in TX; its Midland 3 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, West Texas National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6 Desta Dr, Midland, TX 79705
- County
- Midland
- Metro Area
- Midland, 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 041
- Established
- September 24, 1979
- Former names
- FNB Bank (2000-2001)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 228
- Domestic deposits
- $2.56B
- Allowance for credit losses
- $29.2M
- Net charge-offs (YTD)
- $6.6M
- Average total assets
- $2.82B
- Average total loans
- $1.52B
- Average interest-bearing deposits
- $1.66B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1979
- FDIC Cert
- 22957
- Fed RSSD
- 237066
- SEC CIK
- 1200399 → filed by FIRST WEST TEXAS BANCSHARES, INC.
- Website
- www.wtnb.com →
- Parent Holding Company
- FIRST WEST TEXAS BANCSHARES, INC. (RSSD 1109834)
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
Over the 12 quarters to Q2 2026, West Texas National Bank's total assets ran between $2.23B (Q3 2023) and $2.88B (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
$2.88B total assets against $2.69B; $2.59B total liabilities against $2.43B.
$1.47B net loans and leases against $1.45B; $2.56B total deposits against $2.40B.
$662.2M securities against $572.0M; $649.1M cash and balances due against $564.1M.
$39.2M total interest income against $41.1M; $11.3M total interest expense against $13.5M.
$27.9M net interest income against $27.6M.
$1.2M total noninterest income against $1.4M; $13.5M total noninterest expense against $10.9M.
$0 provision for credit losses against $2.0M.
$15.1M net income against $15.5M.
2.15% return on assets against 2.20%; 4.09% net interest margin against 4.06%.
16.75% CET1 capital ratio against 14.97%; 10.52% tier 1 leverage ratio against 9.38%.
Inside the full West Texas National Bank 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
West Texas National Bank rankings
Its closest position to the top of a national ranking is 26 of 980, for uninsured deposits; its furthest is 617 of 2,134, for CET1 ratio.
Metric pages for West Texas National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q1 2026) to 2.96% (Q4 2024) and its net interest margin ran from 3.52% (Q1 2025) to 4.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.75% | 2.15% | 1.67% | 9.68% | 4.09% |
| Q1 2026 | 15.80% | 1.05% | 2.00% | 11.62% | 3.79% |
| Q4 2025 | 15.29% | 2.13% | 1.24% | 7.93% | 4.06% |
| Q3 2025 | 14.90% | 1.28% | 1.31% | 8.41% | 3.91% |
| Q2 2025 | 14.97% | 2.20% | 1.57% | 9.91% | 4.06% |
| Q1 2025 | 15.46% | 1.70% | 1.89% | 10.27% | 3.52% |
| Q4 2024 | 14.75% | 2.96% | 1.59% | 9.37% | 4.00% |
| Q3 2024 | 14.04% | 1.99% | 1.24% | 7.72% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| West Texas National Bank (main office) | Midland , TX | 79705 | $802.9M |
| Pecos Branch | Pecos , TX | 79772 | $725.8M |
| Marienfeld Branch | Midland , TX | 79701 | $351.3M |
| Seminole Branch | Seminole , TX | 79360 | $168.5M |
| Alpine Branch | Alpine , TX | 79830 | $127.1M |
| Wadley Branch | Midland , TX | 79707 | $124.7M |
| Kermit Branch | Kermit , TX | 79745 | $51.8M |
| Denver City Branch | Denver City , TX | 79323 | $46.8M |
| Crane Branch | Crane , TX | 79731 | $41.9M |
| Lubbock Branch | Lubbock , TX | 79424 | $37.1M |
| West Texas National Bank - Plainview Branch | Plainview , TX | 79072 | $34.0M |
| Odessa Branch | Odessa , TX | 79762 | $31.0M |
| The Quicksilver Branch | Terlingua , TX | 79852 | $17.4M |
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 |
|---|---|---|---|
| January 20, 2001 | Structure Change | Acquired West Texas National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 19, 2001 | 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.
- Enforcement actions
- 1 against the institution (OCC)
- January 7, 2008, OCC: Civil Money Penalty (CMP): West Texas National Bank
- Period: Most recent institution action January 7, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 56 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 West Texas National Bank
What are West Texas National Bank's total assets?
As of the Q2 2026 filing, West Texas National Bank reported total assets of $2.88 billion in its FFIEC call report.
Where is West Texas National Bank headquartered?
It is headquartered in Midland, TX, United States.
When was West Texas National Bank founded?
It was established in 1979, per the FDIC institution directory.
Is West Texas National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Texas National Bank?
West Texas National Bank's primary federal regulator is the OCC.
What is West Texas National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does West Texas National Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Texas National Bank's Texas Ratio?
Its Texas Ratio is 9.68% 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.
What was West Texas National Bank previously called?
The charter now named West Texas National Bank has also operated as FNB Bank (2000-2001), per FDIC structure-change records.
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