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
Unfavorable gap of $26.5M · efficiency ratio beats 54% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.87% | 1.20% | 1.65% | Beats 65% | 74 / 211 | |
| Return on Equity | 15.72% | 7.52% | 11.67% | 14.58% | Beats 83% | 35 / 211 | |
| Net Interest Margin | 4.98% | 3.28% | 3.82% | 4.31% | Beats 92% | 16 / 211 | |
| Efficiency Ratio | 62.87% | 53.01% | 64.18% | 73.65% | Beats 54% | 98 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.01% | 0.30% | 1.10% | Beats 49% | 107 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 74% | 55 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.77% | 11.72% | 14.45% | 19.57% | Beats 6% | 198 / 211 | |
| Total Risk-Based Capital Ratio | 9.77% | 11.94% | 14.78% | 20.30% | Beats 6% | 199 / 211 | |
| Equity / Assets | 8.85% | 9.41% | 11.06% | 12.94% | Beats 17% | 175 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 96.98% | 45.39% | 66.56% | 82.03% | 96th pctl | 8 / 208 | |
| Loans / Assets | 81.59% | 39.13% | 56.90% | 70.46% | 96th pctl | 8 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |