West Texas National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.99 percentage points higher than in Q1 2026, at 116.56%. Within Texas, West Texas National Bank is 50th of 345 on return on assets, 2.15% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, West Texas National Bank reported 2.15% on return on assets in Q2 2026, 0.87 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.75% |
| Tier 1 risk-based capital ratio | 16.75% |
| Total risk-based capital ratio | 18.01% |
| Tier 1 leverage ratio | 10.52% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 9.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.67% |
| Non-performing assets ratio | 1.06% |
| Net charge-off ratio | 1.19% |
| Texas ratio | 9.68% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | 116.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 20.81% |
| Net interest margin | 4.09% |
| Efficiency ratio | 46.48% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.58% |
| Core deposits to total deposits | 95.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.86% |
| Securities to assets | 22.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.50% | 13.50% | 14.75% | 9.39% | 2.11% |
| Q4 2023 | 14.21% | 14.21% | 15.47% | 9.70% | 2.03% |
| Q1 2024 | 15.27% | 15.27% | 16.52% | 9.35% | 1.21% |
| Q2 2024 | 13.88% | 13.88% | 15.14% | 9.64% | 1.76% |
| Q3 2024 | 14.04% | 14.04% | 15.30% | 9.33% | 1.99% |
| Q4 2024 | 14.75% | 14.75% | 16.01% | 9.23% | 2.96% |
| Q1 2025 | 15.46% | 15.46% | 16.72% | 9.14% | 1.70% |
| Q2 2025 | 14.97% | 14.97% | 16.23% | 9.38% | 2.20% |
| Q3 2025 | 14.90% | 14.90% | 16.16% | 9.85% | 1.28% |
| Q4 2025 | 15.29% | 15.29% | 16.54% | 9.97% | 2.13% |
| Q1 2026 | 15.80% | 15.80% | 17.06% | 10.11% | 1.05% |
| Q2 2026 | 16.75% | 16.75% | 18.01% | 10.52% | 2.15% |
West Texas National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Texas National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full West Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22957) · FFIEC NIC profile (RSSD 237066)