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.

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).

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

Similar-size banks in Texas

Yes. Western Bank is an FDIC-insured institution (FDIC certificate #1720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($236.9M) 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 9.77%, 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

Western Bank lists 9 offices in 7 cities. Most locations:

• Lubbock, TX (3)
• Abilene, TX (1)
• Amarillo, TX (1)
• Big Spring, TX (1)
• Brownwood, TX (1)
• Gruver, TX (1)
• Plainview, TX (1)

All branch addresses and map

In 2025, Western Bank reported 175 home-loan applications under HMDA (LEI 5493000EAQ6YVQD0ZB49): 128 originated ($39,490,000 total), 16 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.1%, 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.

Legal name

Western Bank

Former names

Van Horn State Bank of Van Horn, Texas; MyLubbockBank

Type

State-chartered bank

FDIC certificate #

1720

RSSD ID

199463

Primary regulator

FDIC

Holding company

Circle I Bank Group Inc

Established

January 1, 1909

Headquarters

1617 Broadway, Lubbock, TX 79401

Website

www.western.bank

Employees

139