B
West Texas National Bank
MidlandTX
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings West Texas National Bank
Midland, TX
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Rating B
Asset Quality Index 6.10
Capitalization Index 8.50
Liquidity Index 3.80
Profitability Index 7.80
Stability Index 8.40
Company Info West Texas National Bank
Midland, TX
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FDIC Number 22957
Phone Number (432) 685-6500
Website www.wtnb.com
Asset Quality West Texas National Bank
Midland, TX
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1-Year Asset Growth 1.60%
5-Year Asset Growth 20.88%
5-Year Charge-Offs to Average Loans 0.33%
Charge-Offs to Average Loans 0.62%
Non-Performing Assets to Assets 0.86%
Non-Performing Loans to Capital 6.25%
Non-Performing Loans to Loans 1.24%
Balance Sheet West Texas National Bank
Midland, TX
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Total Assets 2.81B
Total Deposits 2.50B
Capital and Reserves West Texas National Bank
Midland, TX
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Capital 285.77M
Leverage Ratio 9.97
Loan Loss Reserves to Loans 1.90%
Risk-Based Capital Ratio 16.54
Liquidity West Texas National Bank
Midland, TX
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Hot Money Ratio 6.29%
Liquidity Ratio 29.60%
Profitability West Texas National Bank
Midland, TX
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5-Year Return on Average Assets 1.35%
Net Income 50.97M
Net Interest Spread 3.89%
Operating Profit to Average Assets 1.83%
Overhead Efficiency Ratio 41.62%
Return on Assets 1.83%
Return on Equity 19.35%