PackageTrendsPeer
Letter portraitLegal landscape

Western Bank

Lubbock, TX · Cert 1720 · Circle I Bank Group Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Western Bank

Lubbock, TX · Cert 1720 · Circle I Bank Group Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$947.2MAssets
$772.8MLoans
$796.9MDeposits
$83.8MEquity
Loan mix
73%RE $486.3M26%C&I $174.3M0%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $625.0M22%Noninterest $171.9MQ3 2024Q2 2026

Market Position · Lubbock, TX · 2026 SOD (annual) · 1.9% share · #14 of 31 inst. · $0.3B of $14.3B

2.1% Lubbock
12.8% Howard
3.8% Randall
15.7% Hansford

Executive Summary

  • Earnings: ROA of 1.45%, up 2 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 0.31% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.77%, up 36 bps from a year ago.
  • Funding: loans stand at 96.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.98%+18 bps YoY

Efficiency Ratio (YTD, annualized)

62.87%-173 bps YoY

Tier 1 Leverage Ratio

9.77%+36 bps YoY

NIM

6.73%Q2 ’246.87%Q2 ’256.65%Q2 ’26+16%+4%

Non-interest income vs. expense

3.26%Q2 ’243.48%Q2 ’253.39%Q2 ’26+4%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.06%1.27%1.43%1.53%1.39%1.59%1.45%+2 bps
Return on Equity13.93%13.42%16.11%17.72%18.66%16.82%19.13%17.00%-72 bps
Net Interest Margin4.24%4.28%4.66%4.80%4.76%4.70%5.00%4.98%+18 bps
Efficiency Ratio69.67%69.54%66.03%64.60%62.98%64.26%60.60%62.87%-173 bps
Non-Interest Burden2.83%2.81%2.97%2.90%2.77%2.82%2.86%2.98%+8 bps
Growth
Asset Growth (YoY)15.58%11.82%14.63%7.62%6.32%6.64%14.05%16.77%+916 bps
Loan Growth (YoY)16.80%12.56%13.44%7.32%4.89%7.70%9.55%18.20%+1,089 bps
Deposit Growth (YoY)20.40%18.76%17.16%12.39%3.07%0.63%12.12%11.01%-138 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.01%0.01%0.28%0.09%1.31%0.00%0.31%+3 bps
Net Charge-Offs / Loans0.02%0.02%0.00%0.00%0.00%0.04%0.00%0.00%0 bps
Allowance / Loans1.14%1.28%1.21%1.24%1.21%1.29%1.20%1.21%-3 bps
Allowance Coverage of NPLs6.3x133.4x150.7x4.5x13.6x1.0xn/a4.0x-0.5x
Capital
Tier 1 Leverage Ratio9.22%9.27%9.08%9.41%9.50%9.29%9.31%9.77%+36 bps
Total Risk-Based Capital9.22%9.27%9.08%9.41%9.50%9.29%9.31%9.77%+36 bps
Equity / Assets7.94%7.87%7.87%8.40%8.54%8.62%8.03%8.85%+45 bps
Liquidity & Funding
Loans / Deposits91.93%87.84%90.37%91.07%93.56%94.02%88.30%96.98%+591 bps
Liquid Assets / Assets6.67%7.28%6.71%7.28%7.92%7.40%12.22%8.54%+126 bps
CRE / Total Capitaln/an/an/an/a364%391%385%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Western Bank

Lubbock, TX · Cert 1720 · Peer group: banks under $1B in assets in TX (n=208-211) · Circle I Bank Group Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$947.2MAssets
$772.8MLoans
$796.9MDeposits
$83.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of banks under $1B in assets in TX (rank 16 of 211).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in TX (rank 199 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 74 of 211

Net Interest Margin

4.98%

Rank 16 of 211

Efficiency Ratio

62.87%

Rank 98 of 211

Equity / Assets

8.85%

Rank 175 of 211

Non-interest income vs. expense

$3.7M$30.1MINCOMEEXPENSE
Unfavorable gap of $26.5M · efficiency ratio beats 54% of banks under $1B in assets in TX
Bank 62.87%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.39%0.87%1.20%1.65%Beats 65%74 / 211
Return on Equity15.72%7.52%11.67%14.58%Beats 83%35 / 211
Net Interest Margin4.98%3.28%3.82%4.31%Beats 92%16 / 211
Efficiency Ratio62.87%53.01%64.18%73.65%Beats 54%98 / 211
Asset Quality
Nonperforming Loans / Loans0.31%0.01%0.30%1.10%Beats 49%107 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 74%55 / 208
Capital
Tier 1 Capital Ratio9.77%11.72%14.45%19.57%Beats 6%198 / 211
Total Risk-Based Capital Ratio9.77%11.94%14.78%20.30%Beats 6%199 / 211
Equity / Assets8.85%9.41%11.06%12.94%Beats 17%175 / 211
Liquidity & Funding
Loans / Deposits96.98%45.39%66.56%82.03%96th pctl8 / 208
Loans / Assets81.59%39.13%56.90%70.46%96th pctl8 / 211
Brokered Deposits / Depositsn/aNot reported for this institution