TellerScore

West Texas National Bank is a national bank headquartered in Midland, Texas, in business for about 47 years. At the end of Q2 2026 it reported $2.9B in total assets and $2.6B in deposits, with 13 offices.

West Texas National Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 298th. Earnings contributes the most (84/100, 1.59%); loan quality contributes the least (44/100, 1.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.52%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.67%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 57.4% · 64.1% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.42%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
515865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202461
Q4 202461
Q1 202555
Q2 202561
Q3 202563
Q4 202565
Q1 202651
Q2 202660
Tier 1 leverage ratio
5.00%7.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.64%
Q3 20249.33%
Q4 20249.23%
Q1 20259.14%
Q2 20259.38%
Q3 20259.85%
Q4 20259.97%
Q1 202610.11%
Q2 202610.52%
Noncurrent loans
1.24%1.62%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.56%
Q3 20241.24%
Q4 20241.59%
Q1 20251.89%
Q2 20251.57%
Q3 20251.31%
Q4 20251.24%
Q1 20262.00%
Q2 20261.67%
Return on assets
1.05%1.55%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.50%
Q3 20241.70%
Q4 20242.05%
Q1 20251.69%
Q2 20251.97%
Q3 20251.74%
Q4 20251.83%
Q1 20261.05%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$2.9B10.52%1.67%1.59%57.4%
Q1 202651$2.8B10.11%2.00%1.05%61.2%
Q4 202565$2.8B9.97%1.24%1.83%60.6%
Q3 202563$2.7B9.85%1.31%1.74%62.3%
Q2 202561$2.7B9.38%1.57%1.97%60.6%
Q1 202555$2.9B9.14%1.89%1.69%52.5%
Q4 202461$2.8B9.23%1.59%2.05%56.2%
Q3 202461$2.5B9.33%1.24%1.70%65.3%
Q2 202457$2.4B9.64%1.56%1.50%65.9%

897 peers · $1 billion – $10 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 ratio10.52%
50th
Total risk-based capital18.01%
86th
Problem loans1.67%
12th
Net charge-offs0.86%
5th
Return on assets1.59%
73rd
Net interest margin3.95%
65th
Efficiency ratio46.5%
85th
Loans to deposits57.4%
94th
Uninsured deposits64.1%
3rd
Loan-loss reserves1.95%
95th
Texas ratio9.4%
19th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
American First National BankBank Houston, TX87 out of 100, Very strong$2.9B14.4%0.42%vs
Jefferson BankBank San Antonio, TX61 out of 100, Moderate$2.9B9.8%0.75%vs
American Momentum BankBank College Station, TX57 out of 100, Moderate$2.8B19.2%3.52%vs
Texas Regional BankBank Harlingen, TX53 out of 100, Below average$2.9B8.8%0.59%vs
TIB National AssociationBank Farmers Branch, TX76 out of 100, Strong$3.0B13.2%0.84%vs
Susser BankBank Dallas, TX65 out of 100, Moderate$3.0B10.1%0.42%vs

Deposit insurance

Is my money safe at West Texas National Bank?

Yes. West Texas National Bank is an FDIC-insured institution (FDIC certificate #22957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 64.1% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.01% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

West Texas National Bank lists 13 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, West Texas National Bank reported 122 home-loan applications under HMDA (LEI 549300ALAL7EW71UE133): 85 originated ($30,255,000 total), 23 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
West Texas National Bank
Former names
FNB Bank; First National Bank
Type
National bank
FDIC certificate #
22957
RSSD ID
237066
Primary regulator
OCC
Holding company
First West Tx Bancshares Inc
Established
September 24, 1979
Headquarters
6 Desta Dr, Midland, TX 79705
Employees
228

Quick answers

West Texas National Bank: common questions

Is West Texas National Bank FDIC insured?

Yes. West Texas National Bank is an FDIC-insured institution (FDIC certificate #22957). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is West Texas National Bank's TellerScore?

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

Has West Texas National Bank ever failed?

There is no failure record for FDIC certificate #22957 in the FDIC failed bank list.

How many branches does West Texas National Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Midland

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs