A Safe, Sound And Solid Choice
Been a customer since moving to Lubbock in the mid-90s. Service has always been top notch. I couldn't ask for a better financial partner. Their advice has always been rock solid and on point, even when I didn't agree initially. This a true community bank who has roots in this town and makes their decisions locally. When I call, I awlays talk to a real person (in Lubbock), not a call center in Houston or worse, a computer...
Ridiculous And Ineffective
Want a bank that doesn't have any weekend customer service? Want a bank that is stuck in 1992 and has clunky and ineffective modern technology? If so, this bank's for you. I made the unfortunate decision to bank with them when I moved to Lubbock and I have been frustrated ever since. They offer a decent interest rate on checking, but I promise that its not worth the hassle. I'd rather stuff my money in a mattress than deal with their ineptitude for another day.
Data as of Q2 2022
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 14531 |
| Year Established | 1892 |
| Employees | 879 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.6% |
| Return on Equity - YTD | 16.62% |
| Annual Interest Income | $135.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2022vs Q2 2021 | $7.91B$7.51B |
| Loans | Q2 2022vs Q2 2021 | $5.76B$5.10B |
| Deposits | Q2 2022vs Q2 2021 | $7.00B$6.58B |
| Equity Capital | Q2 2022vs Q2 2021 | $761.6MM$715.2MM |
| Loan Loss Allowance | Q2 2022vs Q2 2021 | $72.0MM$62.9MM |
| Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $35.2MM$21.0MM |
| Real Estate Owned | Q2 2022vs Q2 2021 | $0$0 |
