TellerScore

West Texas State Bank (FDIC certificate #16866) is based in Snyder, Texas. Its Q2 2026 call report shows $443.7M in total assets and $396.5M in deposits and 4 offices.

West Texas State Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 302nd. Earnings contributes the most (92/100, 1.81%); loan quality contributes the least (41/100, 1.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.49%
Loan quality41/100
Noncurrent loans ÷ total loans: 1.77%
Earnings92/100
Return on assets (annualized): 1.81%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 75.2% · 40.7% uninsured
Problem-loan coverage65/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.32%

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 fell 5 points (65 → 60), mostly because the earnings component weakened by 8 points.

TellerScore
607181Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202480
Q4 202481
Q1 202581
Q2 202565
Q3 202568
Q4 202578
Q1 202663
Q2 202660
Tier 1 leverage ratio
5.00%8.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.14%
Q3 202411.17%
Q4 202411.36%
Q1 202511.58%
Q2 202511.09%
Q3 202511.04%
Q4 202510.97%
Q1 202610.56%
Q2 202610.49%
Noncurrent loans
0.00%1.07%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.14%
Q3 20240.00%
Q4 20240.00%
Q1 20250.02%
Q2 20251.66%
Q3 20251.29%
Q4 20250.17%
Q1 20261.59%
Q2 20261.77%
Return on assets
1.81%2.24%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.29%
Q3 20242.25%
Q4 20242.42%
Q1 20252.67%
Q2 20252.38%
Q3 20252.38%
Q4 20252.38%
Q1 20261.90%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$443.7M10.49%1.77%1.81%75.2%
Q1 202663$407.2M10.56%1.59%1.90%72.2%
Q4 202578$380.9M10.97%0.17%2.38%72.6%
Q3 202568$363.9M11.04%1.29%2.38%73.2%
Q2 202565$348.2M11.09%1.66%2.38%76.3%
Q1 202581$310.6M11.58%0.02%2.67%78.2%
Q4 202481$320.0M11.36%0.00%2.42%74.9%
Q3 202480$305.9M11.17%0.00%2.25%76.6%
Q2 202461$296.3M11.14%2.14%2.29%80.1%

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 ratio10.49%
41st
Total risk-based capital0.00%
24th
Problem loans1.77%
15th
Net charge-offs0.03%
34th
Return on assets1.81%
80th
Net interest margin4.67%
85th
Efficiency ratio51.4%
80th
Loans to deposits75.2%
60th
Uninsured deposits40.7%
10th
Loan-loss reserves1.45%
75th
Texas ratio17.3%
8th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Broadstreet Bank S S BBank Mineola, TX70 out of 100, Strong$442.8M12.1%0.44%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs
The Liberty National Bank in ParisBank Paris, TX75 out of 100, Strong$452.1M12.8%0.88%vs
The City National Bank of Colorado CityBank Colorado City, TX74 out of 100, Strong$452.4M11.0%0.26%vs
Trinity Capital Bank of TexasBank Ennis, TX69 out of 100, Moderate$456.6M9.6%0.33%vs
Shelby Savings Bank, SSBBank Center, TX69 out of 100, Moderate$457.4M11.1%1.05%vs

Deposit insurance

Is my money safe at West Texas State Bank?

Yes. West Texas State Bank is an FDIC-insured institution (FDIC certificate #16866). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.7% of deposits ($161.2M) 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 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

West Texas State Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
West Texas State Bank
Type
State-chartered bank
FDIC certificate #
16866
RSSD ID
406666
Primary regulator
FDIC
Holding company
Snyder Holding Co
Established
January 14, 1950
Headquarters
5009 College Ave, Snyder, TX 79549
Employees
66

Quick answers

West Texas State Bank: common questions

Is West Texas State Bank FDIC insured?

Yes. West Texas State Bank is an FDIC-insured institution (FDIC certificate #16866). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is West Texas State 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 State Bank ever failed?

There is no failure record for FDIC certificate #16866 in the FDIC failed bank list.

How many branches does West Texas State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Snyder

InstitutionScoreAssetsCapitalProblem loansCompare
Maverick BankBank Fort Davis, TX76 out of 100, Strong$809.1M8.8%0.01%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Scurry County School Federal Credit UnionCredit union Snyder, TX71 out of 100, Strong$13.2M13.9%0.53%vs
Lone Oak Bank, National AssociationBank Eldorado, TX67 out of 100, Moderate$119.6M15.3%3.08%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs
b1BANKBank Baton Rouge, LA59 out of 100, Moderate$8.9B10.9%1.26%vs