West Texas State Bank (FDIC #16866): Bank Stress & Real-Estate Credit Exposure
West Texas State Bank (FDIC Cert #16866): bank stress 54/100, moderate, STABLE over 7 days; parent SNYDER HOLDING CO.
West Texas State Bank (#16866) lends in 4 counties across 1 state; West Texas State Bank (#16866) reaches 56 ZIP codes: Texas 4 counties, 56 ZIPs.
West Texas State Bank (#16866) largest markets: Lubbock County, TX (26 branches, 26 ZIPs) (#16866), Ector County, TX (11 branches, 11 ZIPs) (#16866), Runnels County, TX (11 branches, 11 ZIPs) (#16866), Scurry County, TX (8 branches, 8 ZIPs) (#16866).
West Texas State Bank (#16866) reports $443.7 million in total assets; West Texas State Bank (#16866) equity $45.0 million (10.1% of West Texas State Bank (#16866) assets); West Texas State Bank (#16866) domestic deposits $396.5 million; West Texas State Bank (#16866) net income $3.7 million; West Texas State Bank (#16866) return on assets 1.81%; West Texas State Bank (#16866) return on equity 17.00%; West Texas State Bank (#16866) net interest income $9.0 million; West Texas State Bank (#16866) call report June 30, 2026.
West Texas State Bank (#16866) noncurrent real-estate loans 0.05% of its book; West Texas State Bank (#16866) residential 0.09%; West Texas State Bank (#16866) net charge-offs on real estate 0.59%; West Texas State Bank (#16866) residential charge-offs 1.03%.
West Texas State Bank (#16866) net interest margin 4.67% against an eight-quarter West Texas State Bank (#16866) average of 4.96% (West Texas State Bank (#16866) compression 0.28 points); West Texas State Bank (#16866) real-estate loans 4.6% of equity; West Texas State Bank (#16866) non-residential real estate 102.5% of equity; West Texas State Bank (#16866) rate-exposure score 40/100, West Texas State Bank (#16866) fixed-rate trap 40/100; West Texas State Bank (#16866) risk type credit driven; West Texas State Bank (#16866) rate regime rates elevated, West Texas State Bank (#16866) snapshot October 19, 2026.
West Texas State Bank (#16866) stress score moved from 48.8 on June 22, 2026 to 53.9 on October 19, 2026; West Texas State Bank (#16866) ranged 48.8 to 53.9 over 116 snapshots.
West Texas State Bank (#16866) alerts: 4 counties; top West Texas State Bank (#16866) alert scores: Lubbock County, TX 25 (low); Odessa County, TX 18 (low); Rowena County, TX 18 (low); Snyder County, TX 18 (low).