West Texas National Bank
Midland, Texas, Midland County
$2.9B in total assets, the 456th largest of 4,309 US banks and 37th of 352 headquartered in Texas.
- FDIC certificate
- 22957
- Established
- 1979
- Owned by
- First West Tx Bancshares Inc
- Primary regulator
- OCC
- Website
- www.wtnb.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.9B | 70% | $2.2B | |
| Loans | $1.5B | 56% | $1.3B | |
| Deposits | $2.6B | 75% | $1.7B | |
| Return on assets | 1.65% | 68% | 1.53% | |
| Net interest margin | 3.95% | 48% | 3.96% | |
| Efficiency ratio | 46.5% | 20% | 57.5% | |
| Equity to assets | 10.24% | 44% | 10.77% | |
| Loans to deposits | 59% | 12% | 80% |
Growth
Total assets grew 14.9% a year over the last 5 years and 9.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2001 | West Texas National Bank Alpine, TX, an affiliate under the same holding company | $245M |
Where they operate
13 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Midland County, TX | $1.3B | 14.3% | 3 of 15 |
| Reeves County, TX | $726M | 46.7% | 2 of 2 |
| Gaines County, TX | $169M | 30.3% | 2 of 5 |
| Brewster County, TX | $145M | 63.7% | 1 of 3 |
| Winkler County, TX | $52M | 49.6% | 2 of 2 |
| Yoakum County, TX | $47M | 13.6% | 4 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (11 to 13, +18.2%). 3 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2017 | Closed Midland | 0 | 1 | −1 | 10 |
| 2019 | Opened Odessa | 1 | 0 | +1 | 11 |
| 2023 | Opened Lubbock and Plainview | 2 | 0 | +2 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 33% | 15% | |
| 1-4 family residential | 21% | 20% | |
| Commercial real estate | 19% | 39% | |
| Construction and land | 13% | 13% | |
| Agricultural | 7% | 1% | |
| Farmland | 4% | 3% | |
| Multifamily | 3% | 3% | |
| Consumer | 0% | 2% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 48% | |
| Noninterest-bearing | 32% | 26% | |
| Time deposits | 8% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.67% | 0.42% |
| Net charge-offs, annualized | 0.86% | 0.04% |
| Reserves to loans | 1.95% | 1.20% |
| Leverage ratio | 10.52% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Midland County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/west-texas-national-bank-midland-tx