West Texas National Bank (FDIC #22957): Bank Stress & Real-Estate Credit Exposure
West Texas National Bank (FDIC Cert #22957): bank stress 58/100, moderate, STABLE over 7 days; parent FIRST WEST TX BANCSHARES INC.
West Texas National Bank (#22957) lends in 10 counties across 1 state; West Texas National Bank (#22957) reaches 72 ZIP codes: Texas 10 counties, 72 ZIPs.
West Texas National Bank (#22957) largest markets: Lubbock County, TX (26 branches, 26 ZIPs) (#22957), Ector County, TX (11 branches, 11 ZIPs) (#22957), Hale County, TX (10 branches, 10 ZIPs) (#22957), Midland County, TX (27 branches, 9 ZIPs) (#22957), Brewster County, TX (10 branches, 5 ZIPs) (#22957), Gaines County, TX (5 branches, 5 ZIPs) (#22957).
West Texas National Bank (#22957) reports $2.88 billion in total assets; West Texas National Bank (#22957) equity $295.2 million (10.2% of West Texas National Bank (#22957) assets); West Texas National Bank (#22957) domestic deposits $2.56 billion; West Texas National Bank (#22957) net income $22.5 million; West Texas National Bank (#22957) return on assets 1.59%; West Texas National Bank (#22957) return on equity 15.54%; West Texas National Bank (#22957) net interest income $53.5 million; West Texas National Bank (#22957) call report June 30, 2026.
West Texas National Bank (#22957) noncurrent real-estate loans: none reported; West Texas National Bank (#22957) net charge-offs on real estate 2.07%; West Texas National Bank (#22957) multifamily charge-offs 27.93%; West Texas National Bank (#22957) residential charge-offs 0.54%.
West Texas National Bank (#22957) net interest margin 3.95% against an eight-quarter West Texas National Bank (#22957) average of 3.91% (West Texas National Bank (#22957) compression -0.04 points); West Texas National Bank (#22957) non-residential real estate 53.8% of equity; West Texas National Bank (#22957) rate-exposure score 40/100, West Texas National Bank (#22957) fixed-rate trap 40/100; West Texas National Bank (#22957) risk type credit driven; West Texas National Bank (#22957) rate regime rates elevated, West Texas National Bank (#22957) snapshot October 19, 2026.
West Texas National Bank (#22957) stress score moved from 67 on June 22, 2026 to 57.9 on October 19, 2026; West Texas National Bank (#22957) ranged 57.9 to 67 over 116 snapshots.
West Texas National Bank (#22957) alerts: 10 counties; top West Texas National Bank (#22957) alert scores: Pecos County, TX 36 (moderate); Lubbock County, TX 25 (low); Midland County, TX 23 (low); Crane County, TX 19 (low); Denver City County, TX 19 (low).