West Texas State Bank

Overview / Commentary

www.ebanktexas.com

325-573-5441

5009 College Avenue
Snyder, TX 79549

West Texas State Bank is headquartered in Snyder and is the 287^th largest bank in the state of Texas. It is also the 3,399^th largest bank in the nation. It was established in 1950 and as of December of 2019, it had grown to 25 employees at 2 locations. West Texas State Bank has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	16866
Year Established	1950
Employees	25
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.46%
Return on Equity - YTD	11.8%
Annual Interest Income	$5.3MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$145.8MM$134.5MM
Loans	Q4 2019vs Q4 2018	$64.0MM$64.6MM
Deposits	Q4 2019vs Q4 2018	$127.5MM$118.4MM
Equity Capital	Q4 2019vs Q4 2018	$17.7MM$15.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.1MM$1.3MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.9MM$4.6MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$122.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

West Texas State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$50	-	Regular Savings Account

West Texas State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $500k

West Texas State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$2.5k	-	Super NOW Account

West Texas State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	60 Month CD
0.90%	$1k	-	24 Month CD
0.90%	$1k	-	30 Month CD
0.80%	$1k	-	18 Month CD
0.75%	$1k	-	12 Month CD
0.35%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

West Texas State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$100	-	18 Month IRA

Locations

West Texas State Bank Locations
West Texas State Bank	5009 College Avenue	Snyder, TX 79549
Edwards Street Branch	Edwards Street	Rowena, TX 76875

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