Western Bank (FDIC #1720): Bank Stress & Real-Estate Credit Exposure

Western Bank (FDIC Cert #1720): bank stress 58/100, moderate, STABLE over 7 days; parent CIRCLE I BANK GROUP INC.

Western Bank (#1720) lends in 7 counties across 1 state; Western Bank (#1720) reaches 85 ZIP codes: Texas 7 counties, 85 ZIPs.

Western Bank (#1720) largest markets: Lubbock County, TX (78 branches, 26 ZIPs) (#1720), Taylor County, TX (17 branches, 17 ZIPs) (#1720), Randall County, TX (15 branches, 15 ZIPs) (#1720), Hale County, TX (10 branches, 10 ZIPs) (#1720), Brown County, TX (10 branches, 10 ZIPs) (#1720), Howard County, TX (6 branches, 6 ZIPs) (#1720).

Western Bank (#1720) reports $947.2 million in total assets; Western Bank (#1720) equity $83.8 million (8.9% of Western Bank (#1720) assets); Western Bank (#1720) domestic deposits $796.9 million; Western Bank (#1720) net income $8.4 million; Western Bank (#1720) return on assets 1.84%; Western Bank (#1720) return on equity 21.66%; Western Bank (#1720) net interest income $22.1 million; Western Bank (#1720) call report June 30, 2026.

Western Bank (#1720) noncurrent real-estate loans: none reported; Western Bank (#1720) net charge-offs on real estate 0.00%.

Western Bank (#1720) net interest margin 5.28% against an eight-quarter Western Bank (#1720) average of 4.97% (Western Bank (#1720) compression -0.31 points); Western Bank (#1720) rate-exposure score 40/100, Western Bank (#1720) fixed-rate trap 40/100; Western Bank (#1720) risk type credit driven; Western Bank (#1720) rate regime rates elevated, Western Bank (#1720) snapshot October 19, 2026.

Western Bank (#1720) stress score moved from 55.9 on June 22, 2026 to 57.8 on October 19, 2026; Western Bank (#1720) ranged 55.9 to 57.8 over 116 snapshots.

Western Bank (#1720) alerts: 7 counties; top Western Bank (#1720) alert scores: Lubbock County, TX 26 (low); Abilene County, TX 19 (low); Amarillo County, TX 19 (low); Big Spring County, TX 19 (low); Brownwood County, TX 19 (low).