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West Texas State Bank

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Snyder, TX $100M to $1B in assets Est. January 14, 1950 FDIC #16866 RSSD #406666 Routing #111322664 FDIC

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
Assets
$443.7M
Deposits
$396.5M
Loans
$302.7M
Equity
$45.0M

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

Profitability

Q2 annualized
Return on Assets1.74%YTD 1.79%
Return on Equity16.59%YTD 17.00%
Net Interest Margin4.94%YTD 4.66%

Balance Sheet

Total liabilities$398.7M
Cash & balances due$57.0M
Securities, available-for-sale$64.7M
Securities, held-to-maturity$0
Goodwill & intangibles$5.6M

Income Statement

Net income Q2$1.8M
Net interest income YTD$9.0M
Total interest income YTD$13.5M
Total interest expense YTD$4.6M
Provision for credit losses YTD$880K

Operating & Funding

Total noninterest income YTD$484K
Total noninterest expense YTD$4.9M

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

Total assets and total liabilities

$443.7M total assets against $348.2M; $398.7M total liabilities against $311.7M.

Loans and leases against deposits

$298.3M net loans and leases against $235.5M; $396.5M total deposits against $308.5M.

Securities and cash

$64.7M securities against $52.9M; $57.0M cash and balances due against $37.9M.

Interest income against interest expense

$7.1M total interest income against $5.8M; $2.3M total interest expense against $1.8M.

Net interest income

$4.8M net interest income against $4.0M.

Noninterest income against noninterest expense

$110K total noninterest income against $326K; $2.4M total noninterest expense against $1.9M.

Provision for credit losses

$680K provision for credit losses against $650K.

Net income

$1.8M net income against $1.8M.

Return on assets and net interest margin

1.74% return on assets against 2.14%; 4.94% net interest margin against 5.31%.

CET1 and Tier 1 leverage ratios

10.49% tier 1 leverage ratio against 11.09%.

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West 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.

How ranks are counted

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.

1–4 of 4
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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West Texas State Bank: regulatory capital profile · BankRegReports

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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