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#6 Desta Drive
Midland, TX 79705

West Texas National Bank is headquartered in Midland and is the 61st largest bank in the state of Texas. It is also the 737th largest bank in the nation. It was established in 1979 and as of December of 2013, it had grown to 141 employees at 11 locations. West Texas National Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 West Texas National Bank had $1.94 million in non-current loans and owned real-estate with $90.4 million in equity and loan loss allowances on hand to cover it. This gives West Texas National Bank a Texas Ratio of 2.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for West Texas National Bank decreased dramatically from 3.92% as of December 31, 2012 to 2.15% as of December 31, 2013, resulting in a positive change of 45.15%.This indicates that the balance sheet and financial strength for West Texas National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, West Texas National Bank has increased its total deposits by $50.9 million, resulting in 6.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth West Texas National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. West Texas National Bank has $914.74 million in assets with $90.4 million in equity, resulting in a capitalization level of 9.88%, which is above average.

Institution Statistics

FDIC Certificate #22957
Year Established1979
Primary RegulatorOCC
Assets and Liabilities
Assets$914.74 million
Loans$426.51 million
Deposits$828.12 million
Equity Capital$83.75 million
Loan Loss Allowance$6.65 million
Unbacked Noncurrent Loans$1.73 million
Real Estate Owned$210,000
Historic Data - December 2012
Assets$866.95 million
Equity Capital$86.60 million
Loan Loss Allowance$6.92 million
Unbacked Noncurrent Loans$1.73 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets2.09%
Return on Equity21.73%
Interest Income$28.77 million
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West Texas National Bank Checking Account Rates

1.26%-$25kUltimate Checking
0.10%--Ultimate Checking

West Texas National Bank CD Rates

1.61%$100k-5 Year Jumbo CD
1.51%$1k-5 Year CD
1.16%$100k-4 Year Jumbo CD
1.11%$1k-4 Year CD
1.00%$100k-3 Year Jumbo CD
0.80%$1k-3 Year CD
0.75%$100k-2 Year Jumbo CD
0.65%$1k-2 Year CD
0.65%$100k-1 1/2 Year Jumbo CD
0.60%$1k-1 1/2 Year CD
0.45%$100k-1 Year Jumbo CD
0.40%$1k-1 Year CD
0.25%$1k-180-364 Day CD
0.25%$100k-180-364 Day Jumbo CD
0.10%$1k-30 - 89 Day CD
0.10%$1k-90 - 179 Day CD
0.10%$100k-30 - 89 Day Jumbo CD
0.10%$100k-90 - 179 Day Jumbo CD

West Texas National Bank IRA Rates

0.45%$100-1 Year IRA CD (Traditional,Roth)

West Texas National Bank has 11 locations. Click to view all West Texas National Bank locations.