West Texas National Bank
Midland, TX · Cert 22957 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First West TX Bancshares Inc.
National charter · OCC · 13 branches
Q2 2026
$2.9BAssets
$1.5BLoans
$2.6BDeposits
$295.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 35 of 257).
- Widest gap: net charge-offs / loans trails 96% of banks $1B-$10B in assets operating in a single state (rank 249 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.22%
Rank 133 of 258
Net Interest Margin
3.80%
Rank 75 of 258
Efficiency Ratio
46.51%
Rank 35 of 257
Equity / Assets
10.24%
Rank 129 of 258
Non-interest income vs. expense
Unfavorable gap of $46.8M · efficiency ratio beats 87% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.93% | 1.23% | 1.54% | Beats 48% | 133 / 258 | |
| Return on Equity | 11.95% | 9.26% | 11.84% | 14.74% | Beats 51% | 127 / 258 | |
| Net Interest Margin | 3.80% | 3.16% | 3.49% | 3.88% | Beats 71% | 75 / 258 | |
| Efficiency Ratio | 46.51% | 51.71% | 60.30% | 69.65% | Beats 87% | 35 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.67% | 0.19% | 0.46% | 0.90% | Beats 10% | 232 / 258 | |
| Net Charge-Offs / Loans | 0.44% | 0.01% | 0.02% | 0.07% | Beats 4% | 249 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 16.75% | 11.41% | 12.98% | 15.12% | Beats 84% | 42 / 258 | |
| Total Risk-Based Capital Ratio | 18.01% | 12.10% | 13.91% | 16.08% | Beats 84% | 40 / 258 | |
| Equity / Assets | 10.24% | 9.09% | 10.24% | 11.72% | Beats 50% | 129 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 58.58% | 73.24% | 86.34% | 95.95% | 6th pctl | 242 / 258 | |
| Loans / Assets | 52.05% | 63.01% | 72.27% | 78.40% | 9th pctl | 236 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |