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West Texas State Bank
Snyder, TX · FDIC Certificate #16866 · Chartered 01/1
Total assets
$443.72M
Total deposits
$396.51M
Total equity
$45.04M
Net loans
$298.28M
Branches (offices)
4
Net income (YTD)
$3.71M
Rank: #1,935 of 4,213 U.S. banks by assets · #171 of 346 in Texas. Assets changed 27.4% and deposits 28.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 17.00% |
| Net interest margin (YTD) | 4.67% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 40.7% |
| Noncurrent loans (share of loans) | 1.77% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 75.2% |
| Real estate loans (share of loans) | 50.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.17M | 50.7% | |
| Commercial & industrial | $144.30M | 48.4% | |
| Consumer / individual | $1.65M | 0.6% | |
| Construction & development | $37.30M | 12.5% | |
| Agricultural | $6.33M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $193.44M | $175.54M | $1.73M | $17.56M |
| Jun 2023 | $252.97M | $217.97M | $2.52M | $23.85M |
| Jun 2024 | $296.25M | $257.57M | $3.32M | $31.54M |
| Jun 2025 | $348.21M | $308.50M | $3.89M | $36.48M |
| Jun 2026 | $443.72M | $396.51M | $3.71M | $45.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $396.51M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $396.51M.
Similar-sized banks
The James Polk Stone Community Bank ($443.79M) · Community Bank Delaware ($443.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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