West Texas State Bank: Core Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
West Texas State Bank reported a core deposit ratio of 72.57% as of Q2 2026, ranking #3,352 of 3,644 U.S. banks (8th percentile). That is down 2.27 percentage points from 74.84% a year earlier, and below the 89.14% median of the 1,875 Small Community Banks ($100M–$500M in assets). Core deposits are stable, low-cost funding, non-time deposits below the FDIC insurance threshold. The bedrock of the community-bank funding model.
12-Quarter Trend
National Context
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
Most US community banks report core deposit ratios between 75% and 95%. Above 90% indicates a strong franchise, likely consumer-checking-heavy or relationship-banking-heavy. Below 70% indicates significant wholesale funding reliance (brokered deposits or large time deposits).
Full definition & formula →Frequently asked questions
What is West Texas State Bank's Core Deposit Ratio?
West Texas State Bank's Core Deposit Ratio was 72.57% as of Q2 2026, ranking #3352 of 3,644 U.S. banks.
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
More West Texas State Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full West Texas State Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16866) · FFIEC NIC profile (RSSD 406666)