West Texas State Bank
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Data as of · sourced from FFIEC call reports. How we update
West Texas State Bank is an FDIC-insured commercial bank headquartered in Snyder, TX, established in 1950 (FDIC certificate 16866), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $443.7M, up 27.4% from Q2 2025, the 171st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16866
- Headquarters
- Snyder, TX
- Established
- 1950
- Total assets, Q2 2026
- $443.7M
- Assets vs Q2 2025
- +27.4%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111322664
- Latest call report
- Q2 2026, FFIEC 051 · West Texas State Bank call report
- Holding company
- SNYDER HOLDING COMPANY
- Asset rank in state
- 171st of 346 in Texas
West Texas State Bank earns an unusually wide margin on its lending. The Snyder, Texas bank had $444 million in assets at June 30, 2026, up 27.4% from a year earlier. It keeps 4.94 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 19.7% of the capital and reserves that would absorb them, 7.5 times the median of 2.6% for banks its size.
The commercial and industrial book ($144 million) is worsening: 4.39% of it is past due or on nonaccrual, up from 1.37% a year earlier. Its $36 million non-owner-occupied commercial real estate book is now fully current, after 8.82% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.37% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, West Texas State Bank reported a return on assets of 1.74%, a nonperforming-loan ratio of 1.77% and a Texas ratio of 19.73%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, West Texas State Bank is the 171st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 9.0% to $443.7M, loans rose 14.8% and deposits rose 10.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 47.7% of total loans, followed by owner-occupied commercial real estate loans at 17.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Snyder office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, West Texas State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5009 College Ave, Snyder, TX 79549
- County
- Scurry
- Metro Area
- Snyder, 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 051
- Established
- January 14, 1950
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $396.5M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $421.7M
- Average total loans
- $287.3M
- Average interest-bearing deposits
- $289.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 14, 1950
- FDIC Cert
- 16866
- Fed RSSD
- 406666
- Website
- www.WTSB.com →
- Parent Holding Company
- SNYDER HOLDING COMPANY (RSSD 5534863)
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, West Texas State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
West Texas State Bank's total assets moved between a low of $261.2M (Q3 2023) and a high of $443.7M (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
$443.7M total assets against $348.2M; $398.7M total liabilities against $311.7M.
$298.3M net loans and leases against $235.5M; $396.5M total deposits against $308.5M.
$64.7M securities against $52.9M; $57.0M cash and balances due against $37.9M.
$7.1M total interest income against $5.8M; $2.3M total interest expense against $1.8M.
$4.8M net interest income against $4.0M.
$110K total noninterest income against $326K; $2.4M total noninterest expense against $1.9M.
$680K provision for credit losses against $650K.
$1.8M net income against $1.8M.
1.74% return on assets against 2.14%; 4.94% net interest margin against 5.31%.
10.49% tier 1 leverage ratio against 11.09%.
Inside the full West Texas State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWest Texas State Bank rankings
Its closest position to the top of a national ranking is 173 of 3,640, for Texas Ratio; its furthest is 1,926 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.74% (Q2 2026) to 2.87% (Q4 2024) and its net interest margin ran from 4.37% (Q1 2026) to 5.31% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 1.74% | 1.77% | 19.73% | 4.94% |
| Q1 2026 | 10.56% | 1.84% | 1.59% | 19.00% | 4.37% |
| Q4 2025 | 10.97% | 2.31% | 0.17% | 9.57% | 4.88% |
| Q3 2025 | 11.04% | 2.32% | 1.29% | 17.33% | 4.80% |
| Q2 2025 | 11.09% | 2.14% | 1.66% | 22.26% | 5.31% |
| Q1 2025 | 11.58% | 2.60% | 0.02% | 11.09% | 4.99% |
| Q4 2024 | 11.36% | 2.87% | 0.00% | 11.40% | 5.30% |
| Q3 2024 | 11.17% | 2.13% | 0.00% | 12.02% | 5.10% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 State Bank (main office) | Snyder , TX | 79549 | $237.5M |
| West Texas State Bank - Odessa Branch | Odessa , TX | 79761 | $89.6M |
| West Texas State Bank - Lubbock Branch | Lubbock , TX | 79407 | $39.9M |
| Edwards Street Branch | Rowena , TX | 76875 | $29.5M |
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 |
|---|---|---|---|
| June 14, 1997 | Structure Change | Acquired The First National Bank of Rowena Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 1997 | 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 206 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $169K approved, $169K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 State Bank
What are West Texas State Bank's total assets?
As of the Q2 2026 filing, West Texas State Bank reported total assets of $443.7 million in its FFIEC call report.
Where is West Texas State Bank headquartered?
It is headquartered in Snyder, TX, United States.
When was West Texas State Bank founded?
It was established in 1950, per the FDIC institution directory.
Is West Texas State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16866). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Texas State Bank?
West Texas State Bank's primary federal regulator is the FDIC.
How many branches does West Texas State Bank operate?
It operates 6 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 State Bank's Texas Ratio?
Its Texas Ratio is 19.73% 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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