West Texas National Bank
Midland, Texas · $2.88B in assets · beside the 11 other Texas banks between $1B and $3B
The filing
West Texas National Bank is the fifth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.88B in assets at 30 June 2026. Loans are 58.6% of deposits, the lowest in the cohort against a median of 78.6%, and equity is 10.2% of assets, 8th of 12. Loans grew +1.2% in the year, 6th of 12, and deposits grew 6.7%; the cohort's median loan growth is +1.1%.
Noncurrent loans are 1.67% of the book, 10th of 12 against a median of 0.67%; 0.11% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.88% of loans, the highest in the cohort. Commercial real estate is 27.2% of loans, 4th of 12 against a median of 36.7%, and 129% of capital, below the 300% screen, with construction at 63% against the 100% screen.
Return on assets is 1.59%, 6th of 12 against a median of 1.50%, on an efficiency ratio of 46.5%, 4th of 12. Five years ago it was 0.84%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| West Texas National Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 129% | 3rd of 12 | 247% |
| Construction against capital, the 100% screen | 63% | 8th of 12 | 48% |
| Construction and land development, share of loans | 13.3% | 9th of 12 | 8.7% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 11.2% | 3rd of 12 | 20.7% |
| Total CRE, the guidance definition, share of loans | 27.2% | 4th of 12 | 36.7% |
| CRE growth over 36 months, the third prong | +0.9% | 5th of 12 | +8.6% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.99B | 1.0% | 62.2% | 0.42% | 0.01% | 1.3% | 83.2% | 10.3% | |
| $2.96B | 1.7% | 57.7% | 0.84% | 0.26% | 1.4% | 75.4% | 14.6% | |
| $2.95B | 0.3% | 88.8% | 0.59% | 0.07% | 1.1% | 72.4% | 9.2% | |
| $2.89B | 2.1% | 38.1% | 0.42% | 0.08% | 1.1% | 98.8% | 14.2% | |
| $2.88B | 1.6% | 46.5% | 1.67% | 0.88% | 1.9% | 58.6% | 10.2% | |
| $2.88B | 1.1% | 74.8% | 0.75% | 0.01% | 0.8% | 75.6% | 8.6% | |
| $2.85B | 1.3% | 59.6% | 3.52% | 0.11% | 1.2% | 91.4% | 22.2% | |
| $2.72B | 1.4% | 52.3% | 0.13% | 0.01% | 1.2% | 81.6% | 13.2% | |
| $2.59B | 1.7% | 14.5% | 1.24% | 0.01% | 0.1% | 102.3% | 30.1% | |
| $2.59B | 4.2% | 21.4% | 2.16% | 0.00% | 1.0% | 97.8% | 16.4% | |
| $2.57B | 0.8% | 75.7% | 0.04% | 0.04% | 2.4% | 64.4% | 8.4% | |
| $2.55B | 1.7% | 52.6% | 0.00% | 0.02% | 1.7% | 74.0% | 8.0% |
| West Texas National Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $839M | $1.50B | +79% | $1.10B | $1.85B | +69% |
| Deposits | $1.27B | $2.56B | +102% | $1.75B | $2.35B | +35% |
| NPA / loans | 0.84% | 1.67% | +0.83 pts | 0.19% | 0.67% | +0.48 pts |
| Efficiency | 68.7% | 46.5% | -22.2 pts | 65.5% | 55.1% | -10.3 pts |
| ROA | 0.84% | 1.59% | +0.75 pts | 1.03% | 1.50% | +0.46 pts |
This read was prepared for West Texas National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on West Texas National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.wtnb.com
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