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West Texas National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 22957

Designations: ✓ Community bank

Midland, TX

13 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +6.7% year over year ($2.6B on the books).
  • Delinquency rate 1.70%.
  • Return on assets 1.59%.
  • Efficiency ratio 46.51% vs a 59.73% peer average.
  • Loan-to-deposit ratio 57.44% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

West Texas National Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.08% above tier average
  • + Efficiency Ratio 13.21% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 3.0% in tier
  • - Cost Spiral: Bottom 9.7% in tier
  • - Margin Compression: Bottom 35.3% in tier
  • - Non-Interest Income / Assets 0.43% below tier average
Get updates when West Texas National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.9B
+7.1% YoY +3.6% QoQ
+$88.0M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $1.5B
+1.2% YoY -2.6% QoQ
-$492.6M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $2.6B
+6.7% YoY +3.7% QoQ
+$241.4M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.59%
-19.4% YoY +51.6% QoQ
+0.20% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 3.95%
+2.1% YoY +3.3% QoQ
+0.08% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 46.51%
+14.5% YoY +0.2% QoQ
-13.21% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 14.7% in tier
Delinquency Rate ? 1.70%
+6.7% YoY -16.5% QoQ
+0.84% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 12.0% in tier
Loan-to-Deposit Ratio ? 57.44%
-5.1% YoY -6.1% QoQ
-27.60% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 5.9% in tier
Non-Interest-Bearing Deposit Share ? 31.86%
+3.1% YoY +2.0% QoQ
+10.59% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 11.9% in tier
Nonperforming Asset Ratio ? 1.06%
+2.1% YoY -18.4% QoQ
+0.39% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 16.75%
+11.9% YoY +6.0% QoQ
+1.91% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.10%
-9.1% YoY +68.9% QoQ
-0.43% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 9.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 31.9%
+1.0pp YoY
+0.6pp QoQ
 +10.5pp 21.4% 29.2% 22.2% 88%
Brokered Deposits 0.0%
0.0pp YoY
-0.1pp QoQ
 -9.5pp 9.5% 8.0% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 34.0%
-3.3pp YoY
-2.5pp QoQ
 +20.0pp 14.0% 14.8% 12.5% 93%
CRE 35.3%
+1.6pp YoY
0.0pp QoQ
 -14.8pp 50.0% 48.4% 41.4% 16%
1-4 Family 21.8%
+0.2pp YoY
+0.8pp QoQ
 -4.7pp 26.4% 25.8% 31.3% 46%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.7% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 16.8%
+1.8pp YoY
+0.9pp QoQ
 +1.2pp 15.6% 22.7% 19.7% 82%
Leverage Ratio 10.5%
+1.1pp YoY
+0.4pp QoQ
 -0.8pp 11.3% 12.6% 12.6% 50%
Total Capital Ratio 18.0%
+1.8pp YoY
+0.9pp QoQ
 +1.3pp 16.7% 23.8% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 228
+16 (+7.5%) YoY
+2 (+0.9%) QoQ
 -86 313 186 482 48%
Assets per Employee ($) $12.6M
-0.5% YoY
+2.7% QoQ
 +$2.2M $10.5M $10.1M $8.8M 81%
Branch Count 13
0 YoY
0 QoQ
 -7 20 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 1.7%
+0.1pp YoY
-0.3pp QoQ
 +0.9pp 0.8% 1.0% 1.0% 90%
Allowance Coverage 1.17x
-7.0% YoY
+6.4% QoQ
 -17.54x 18.71x 18.82x 20.23x 29%
Net Charge-off Rate (YTD) 0.9%
+0.8pp YoY
+0.3pp QoQ
 +0.6pp 0.3% 0.1% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.5%
-6.2pp YoY
+5.3pp QoQ
 +2.9pp 12.6% 13.2% 11.6% 76%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.6% 1.7% 34%
Net Income ($, YTD) $22.5M
-18.0% YoY
— QoQ
 +$3.2M $19.2M $15.9M $40.4M 74%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#13 of 402 • Bottom 3.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Cost Spiral

risk
#4 of 31 • Bottom 9.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 46.51%
(Tier: 59.73%, National: 70.05%)
better than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#31 of 85 • Bottom 35.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.59%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

53
Loan-to-Deposit Ratio
liquidity
Value: 57.44%
Peer Median: 85.04%
#53 of 885 Top 5.9% in $1B-$10B
106
Non-Interest-Bearing Deposit Share
funding
Value: 31.86%
Peer Median: 21.27%
#106 of 885 Top 11.9% in $1B-$10B
131
Efficiency Ratio
profitability
Value: 46.51%
Peer Median: 59.73%
#131 of 885 Top 14.7% in $1B-$10B
142
Tier 1 Capital Ratio
capital
Value: 16.75%
Peer Median: 14.84%
#142 of 885 Top 15.9% in $1B-$10B

Top Weaknesses (3 metrics)

802
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.53%
#802 of 885 Bottom 9.5% in $1B-$10B
777
Delinquency Rate
credit_quality
Value: 1.70%
Peer Median: 0.87%
#777 of 882 Bottom 12.0% in $1B-$10B
708
Nonperforming Asset Ratio
credit_quality
Value: 1.06%
Peer Median: 0.67%
#708 of 885 Bottom 20.1% in $1B-$10B
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