Midland, TX · Cert 22957 · First West TX Bancshares Inc.
National charter · OCC · 13 branches
Q2 2026
Market Position · Midland, TX · 2026 SOD (annual) · 13.7% share · #3 of 15 inst. · $1.3B of $9.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.62% | 1.33% | 1.55% | 1.37% | 1.45% | 0.82% | 1.25% | -30 bps | |
| Return on Equity | 14.79% | 18.03% | 15.18% | 17.08% | 14.67% | 15.26% | 8.06% | 12.20% | -488 bps | |
| Net Interest Margin | 3.72% | 3.62% | 3.41% | 3.67% | 3.80% | 3.76% | 3.66% | 3.80% | +13 bps | |
| Efficiency Ratio | 42.11% | 41.32% | 44.33% | 40.63% | 41.22% | 41.62% | 46.42% | 46.51% | +588 bps | |
| Non-Interest Burden | 1.43% | 1.36% | 1.39% | 1.37% | 1.43% | 1.43% | 1.57% | 1.66% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.74% | 13.97% | 18.98% | 13.65% | 10.21% | 1.60% | -3.29% | 7.05% | -660 bps | |
| Loan Growth (YoY) | 10.22% | 7.26% | 0.87% | 4.39% | 5.14% | 8.21% | 11.16% | 1.18% | -320 bps | |
| Deposit Growth (YoY) | 20.68% | 14.97% | 18.99% | 13.34% | 9.91% | 0.16% | -4.76% | 6.68% | -666 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.59% | 1.89% | 1.57% | 1.31% | 1.24% | 2.00% | 1.67% | +10 bps | |
| Net Charge-Offs / Loans | 0.89% | 0.80% | 0.07% | 0.04% | 0.30% | 0.60% | 0.53% | 0.88% | +84 bps | |
| Allowance / Loans | 1.72% | 1.78% | 1.95% | 1.96% | 2.11% | 1.90% | 2.19% | 1.95% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.1x | 1.0x | 1.3x | 1.6x | 1.5x | 1.1x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.33% | 9.23% | 9.14% | 9.38% | 9.85% | 9.97% | 10.11% | 10.52% | +114 bps | |
| Total Risk-Based Capital | 15.30% | 16.01% | 16.72% | 16.23% | 16.16% | 16.54% | 17.06% | 18.01% | +178 bps | |
| Equity / Assets | 9.63% | 8.77% | 8.77% | 9.73% | 10.02% | 10.16% | 10.30% | 10.24% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.48% | 57.21% | 53.56% | 61.76% | 63.60% | 61.80% | 62.52% | 58.58% | -318 bps | |
| Liquid Assets / Assets | 19.17% | 27.28% | 31.04% | 20.38% | 19.73% | 20.53% | 17.38% | 22.03% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.58% | 193.97% | 188.46% | n/a | n/a | |