TellerScore

Bank of the West (FDIC certificate #26627) is based in Grapevine, Texas. Its Q2 2026 call report shows $829.8M in total assets and $747.1M in deposits and 10 offices.

Bank of the West has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 174th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (47/100, 9.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.66%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 66.7% · 52.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the problem-loan coverage component improved by 6 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202465
Q1 202564
Q2 202572
Q3 202574
Q4 202573
Q1 202671
Q2 202674
Tier 1 leverage ratio
5.00%7.36%9.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.53%
Q3 20248.64%
Q4 20248.66%
Q1 20259.10%
Q2 20259.37%
Q3 20259.72%
Q4 20259.42%
Q1 20269.47%
Q2 20269.66%
Noncurrent loans
0.00%0.38%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.69%
Q3 20240.61%
Q4 20240.56%
Q1 20250.76%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.14%
Q2 20260.00%
Return on assets
1.48%1.63%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.48%
Q3 20241.60%
Q4 20241.59%
Q1 20251.54%
Q2 20251.72%
Q3 20251.78%
Q4 20251.70%
Q1 20261.58%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$829.8M9.66%0.00%1.60%66.7%
Q1 202671$803.8M9.47%0.14%1.58%68.3%
Q4 202573$829.9M9.42%0.00%1.70%67.3%
Q3 202574$809.5M9.72%0.00%1.78%70.0%
Q2 202572$761.8M9.37%0.00%1.72%74.1%
Q1 202564$794.0M9.10%0.76%1.54%68.3%
Q4 202465$802.9M8.66%0.56%1.59%65.7%
Q3 202465$798.7M8.64%0.61%1.60%63.9%
Q2 202463$778.3M8.53%0.69%1.48%64.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.66%
24th
Total risk-based capital16.53%
76th
Problem loans0.00%
94th
Net charge-offs0.00%
56th
Return on assets1.60%
71st
Net interest margin4.29%
70th
Efficiency ratio61.9%
51st
Loans to deposits66.7%
75th
Uninsured deposits52.5%
3rd
Loan-loss reserves1.09%
37th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Plains State BankBank Humble, TX59 out of 100, Moderate$828.4M16.5%4.41%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Maverick BankBank Fort Davis, TX76 out of 100, Strong$809.1M8.8%0.01%vs
Texas National Bank of JacksonvilleBank Jacksonville, TX50 out of 100, Below average$852.4M10.1%1.03%vs
Harmony BankBank Dallas, TX75 out of 100, Strong$855.3M11.9%0.02%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs

Deposit insurance

Is my money safe at Bank of the West?

Yes. Bank of the West is an FDIC-insured institution (FDIC certificate #26627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.5% of deposits ($392.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.53% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Bank of the West lists 9 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank of the West
Type
State-chartered bank
FDIC certificate #
26627
RSSD ID
859552
Primary regulator
FDIC
Holding company
Greater Sw Bancshares Inc
Established
April 1, 1986
Headquarters
108 W Northwest Hwy, Grapevine, TX 76051
Employees
121

Quick answers

Bank of the West: common questions

Is Bank of the West FDIC insured?

Yes. Bank of the West is an FDIC-insured institution (FDIC certificate #26627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of the West's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of the West ever failed?

There is no failure record for FDIC certificate #26627 in the FDIC failed bank list.

How many branches does Bank of the West have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grapevine

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs