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 282^nd largest bank in the state of Texas. It is also the 3,348^th largest bank in the nation. It was established in 1950 and as of June of 2020, 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 Q2 2020

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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	1.93%
Return on Equity - YTD	16.24%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$160.7MM$132.3MM
Loans	Q2 2020vs Q2 2019	$61.3MM$66.9MM
Deposits	Q2 2020vs Q2 2019	$140.7MM$114.3MM
Equity Capital	Q2 2020vs Q2 2019	$19.3MM$17.4MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$1.3MM$1.2MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$1.8MM$2.0MM
Real Estate Owned	Q2 2020vs Q2 2019	$0$0

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	211 Edward St	Rowena, TX 76875

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