Western Bank (Lubbock, TX)
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Data as of · sourced from FFIEC call reports. How we update
Western Bank is an FDIC-insured commercial bank headquartered in Lubbock, TX, established in 1909 (FDIC certificate 1720), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $947.2M, up 16.8% from Q2 2025, the 98th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.77% 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
- 1720
- Headquarters
- Lubbock, TX
- Established
- 1909
- Total assets, Q2 2026
- $947.2M
- Assets vs Q2 2025
- +16.8%
- Tier 1 leverage ratio, Q2 2026
- 9.77%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 111323731
- Latest call report
- Q2 2026, FFIEC 051 · Western Bank call report
- Holding company
- CIRCLE I BANK GROUP, INC.
- Asset rank in state
- 98th of 346 in Texas
Western Bank earns an unusually wide margin on its lending. The Lubbock, Texas bank had $947 million in assets at June 30, 2026, up 16.8% from a year earlier. It keeps 5.61 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). It also grew its loan book 18.2% over the year, about triple the median of 5.5% for banks its size.
Its $112 million non-owner-occupied commercial real estate book is improving, with 2.07% past due or on nonaccrual, down from 9.99% a year earlier. Loans are outrunning deposits: over the year loans rose 18.2% and deposits rose 11.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Western Bank reported a return on assets of 1.74%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 9.83%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Western Bank is the 98th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $947.2M, loans rose 4.9% and deposits fell 4.5%. Commercial and industrial loans made up 23.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.4%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in TX; its Lubbock 3 offices book 34% of its branch deposits. Judged on its Q2 2026 call report, Western Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1617 Broadway, Lubbock, TX 79401
- County
- Lubbock
- Metro Area
- Lubbock, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- MyLubbockBank (2005-2008)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 139
- Domestic deposits
- $796.9M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $888.2M
- Average total loans
- $757.5M
- Average interest-bearing deposits
- $608.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1720
- Fed RSSD
- 199463
- SEC CIK
- 1562479 → filed by CIRCLE I BANK GROUP, INC.
- Website
- www.western.bank →
- Parent Holding Company
- CIRCLE I BANK GROUP, INC. (RSSD 4442523)
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, Western Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Western Bank's total assets ran between $681.7M (Q3 2023) and $947.2M (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
$947.2M total assets against $811.1M; $863.3M total liabilities against $743.0M.
$763.4M net loans and leases against $645.6M; $796.9M total deposits against $717.9M.
$26.8M securities against $33.3M; $89.2M cash and balances due against $69.5M.
$15.3M total interest income against $13.4M; $3.8M total interest expense against $3.9M.
$11.5M net interest income against $9.6M.
$922K total noninterest income against $1.6M; $8.1M total noninterest expense against $7.1M.
$500K provision for credit losses against $0.
$3.9M net income against $4.1M.
1.74% return on assets against 2.12%; 5.61% net interest margin against 5.41%.
9.77% tier 1 leverage ratio against 9.41%.
Inside the full Western Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Western Bank rankings
Its closest position to the top of a national ranking is 654 of 3,640, for Texas Ratio; its furthest is 2,349 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.25% (Q4 2024) to 2.29% (Q3 2025) and its net interest margin ran from 4.86% (Q3 2024) to 5.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.77% | 1.74% | 0.31% | 9.83% | 5.61% |
| Q1 2026 | 9.31% | 2.14% | 0.00% | 8.03% | 5.41% |
| Q4 2025 | 9.29% | 1.26% | 1.31% | 19.28% | 5.46% |
| Q3 2025 | 9.50% | 2.29% | 0.09% | 9.29% | 5.39% |
| Q2 2025 | 9.41% | 2.12% | 0.28% | 11.28% | 5.41% |
| Q1 2025 | 9.08% | 1.69% | 0.01% | 9.89% | 5.11% |
| Q4 2024 | 9.27% | 1.25% | 0.01% | 10.29% | 4.89% |
| Q3 2024 | 9.22% | 1.58% | 0.18% | 2.16% | 4.86% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Big Spring Branch | Big Spring , TX | 79720 | $185.3M |
| Western Bank (main office) | Lubbock , TX | 79401 | $151.7M |
| Amarillo - Lexington Branch | Amarillo , TX | 79119 | $136.0M |
| Gruver Branch | Gruver , TX | 79040 | $67.6M |
| Lubbock 82nd Branch | Lubbock , TX | 79424 | $64.8M |
| Abilene Branch | Abilene , TX | 79605 | $62.2M |
| Lubbock - Slide Branch | Lubbock , TX | 79424 | $53.9M |
| Brownwood Branch | Brownwood , TX | 76801 | $40.2M |
| Plainview Branch | Plainview , TX | 79072 | $35.1M |
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 |
|---|---|---|---|
| September 14, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 14, 2019 | Structure Change | Acquired Gruver State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2009 | Structure Change | Acquired First Bank of West Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 2005 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 136 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 175 applications, 128 loans originated, $39.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $328K approved, $328K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Western Bank
What are Western Bank's total assets?
As of the Q2 2026 filing, Western Bank reported total assets of $947.2 million in its FFIEC call report.
Where is Western Bank headquartered?
It is headquartered in Lubbock, TX, United States.
When was Western Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Western Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Bank?
Western Bank's primary federal regulator is the FDIC.
How many branches does Western Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western Bank's Texas Ratio?
Its Texas Ratio is 9.83% 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.
What was Western Bank previously called?
The charter now named Western Bank has also operated as MyLubbockBank (2005-2008), per FDIC structure-change records.
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