Bank call report · Snyder, TX
West Texas State Bank Call Report
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West Texas State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 251 reported line items, schedule by schedule (442 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 406666 |
| FDIC certificate number | 16866 |
| Total assets | $443.7M |
Official Q2 2026 call report PDF (FFIEC) →
West Texas State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · West Texas State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $443.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $443.7M |
| Total Liabilities and Minority Interest | RCON2948 | $398.7M |
| Total Deposits | RCON2200 | $396.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $302.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $298.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $294.8M |
| Deposits: Noninterest-bearing | RCON6631 | $101.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $64.7M |
| Interest-bearing Balances | RCON0071 | $53.3M |
| Total Equity Capital | RCON3210 | $45.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $45.0M |
| Surplus | RCON3839 | $26.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $20.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11.7M |
| Intangible Assets | RCON2143 | $6.0M |
| Goodwill | RCON3163 | $5.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.4M |
| Other Real Estate Owned | RCON2150 | $3.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.2M |
| Common Stock | RCON3230 | $2.9M |
| Other Assets | RCON2160 | $2.8M |
| Other Liabilities, Total | RCON2930 | $2.2M |
| Federal Funds Sold | RCONB987 | $535K |
Schedule RI: Income Statement (39 items)
About Schedule RI · West Texas State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $11.6M |
| Net Interest Income | RIAD4074 | $9.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $6.2M |
| Total Noninterest Expense | RIAD4093 | $4.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.7M |
| Total Interest Expense | RIAD4073 | $4.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.7M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.7M |
| Net Income (Loss) | RIAD4340 | $3.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.7M |
| Salaries and Employee Benefits | RIAD4135 | $2.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.2M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $880K |
| Provision for Loan and Lease Losses | RIAD4230 | $855K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $844K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $831K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $753K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $723K |
| Interest on Other Securities | RIAD4060 | $697K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $668K |
| Other Noninterest Income | RIADB497 | $565K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $549K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $520K |
| Total Noninterest Income | RIAD4079 | $484K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $296K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$272K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $193K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $191K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $185K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $89K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $66K |
| Other Interest Expense | RIADGW44 | $28K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $8K |
| Other Interest Income | RIAD4518 | $6K |
| Noninterest income: Income from insurance activities | RIADHT74 | -$2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 66 |
Schedule RC-B: Securities (15 items)
About Schedule RC-B · West Texas State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $3.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $3.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $69.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $49.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $46.4M |
| Pledged Securities | RCON0416 | $37.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $27.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $16.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $16.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $14.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $7.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $7.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $3.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $149K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · West Texas State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $302.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $220.5M |
| Commercial and Industrial Loans | RCON1766 | $144.3M |
| Pledged Loans and Leases | RCONG378 | $110.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $67.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $51.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $51.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $35.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $27.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $14.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $9.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $6.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $6.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $3.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $2.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $905K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $783K |
| Unearned Income on Loans | RCON2123 | $779K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $749K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $733K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $36.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $25.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $10.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $7.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $810K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $668K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $639K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 280 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 92 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 82 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 53 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 43 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 27 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 25 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 18 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 7 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 3 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · West Texas State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $249.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $227.9M |
| Total Transaction Accounts | RCON2215 | $147.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $122.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $104.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $88.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $87.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $75.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $72.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $64.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $61.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $44.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $33.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $24.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $23.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $21.5M |
| Total Brokered Deposits | RCON2365 | $21.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $20.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $20.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $10.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $8.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $985K |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $695K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $596K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $36K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $26K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · West Texas State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $421.7M |
| Quarterly Average of Total Loans | RCON3360 | $287.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $139.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $126.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $95.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $81.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $64.9M |
| All Other Securities | RCONB560 | $49.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $47.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $39.0M |
| Mortgage-backed Securities | RCONB559 | $20.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $14.6M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $4.7M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $610K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · West Texas State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $22.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $7.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $688K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · West Texas State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $3.2M |
| All other intangible assets | RCONJF76 | $425K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $227K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · West Texas State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $5.1M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $4.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $3.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $1.9M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $960K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $754K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $326K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $308K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $166K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $145K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $87K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $62K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $35K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $15K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · West Texas State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $421.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $397.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $202.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $193.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $43.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $261K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,062 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 164 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 76 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · West Texas State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $443.7M |
| Average total consolidated assets | RCOAKW03 | $421.7M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $415.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $45.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $43.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $43.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $43.6M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $37.9M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $37.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $29.4M |
| Retained Earnings | RCOAKW00 | $20.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $6.0M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $5.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.6M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.6M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $688K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $425K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1049 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0854 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $45.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $42.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $42.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.4M |
| Other Comprehensive Income | RIADB511 | $243K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $200K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (3 items)
About Schedule RI-B, Part I · West Texas State Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · West Texas State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $41K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $25K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $200K |
West Texas State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the West Texas State Bank call report?
The West Texas State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does West Texas State Bank file?
West Texas State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the West Texas State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: West Texas State Bank has Federal Reserve RSSD ID 406666 and FDIC certificate number 16866. Either one finds its filings on the FFIEC Central Data Repository.
How often does West Texas State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
West Texas State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 16866) · FFIEC NIC profile (RSSD 406666)