West Texas National Bank
Midland, TX
IDRSSD: 237066
Total Assets
$2.75B
Latest filing
Total Deposits
$2.44B
Latest filing
Net Interest Margin
3.96%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
West Texas National Bank
6 Desta Dr
Midland, TX 79705
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/24/1979FDIC Certificate 16062
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| West Texas National Bank (Main) | 6 Desta Dr | Midland, TX |
| CRANE BRANCH | 720 S Gaston St | Crane, TX |
| KERMIT BRANCH | 101 S East Ave | Kermit, TX |
| SEMINOLE BRANCH | 200 Se Avenue B | Seminole, TX |
| PECOS BRANCH | 112 E 6th St | Pecos, TX |
| THE QUICKSILVER BRANCH | 53610 Texas 118 | Terlingua, TX |
| DENVER CITY BRANCH | 810 E Broadway St | Denver City, TX |
| ALPINE BRANCH | 101 E Avenue E | Alpine, TX |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/24/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79705 |
| State and County Number | 48329 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Midland, TX |
Operational Info
| Number of Employees | 212 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/31/2017 |
| Date of Deposit Insurance | 09/24/1979 |
| Primary Insurance Agency | DIF |
| Website | www.wtnb.com |
| Data Updated | 11/14/2025 |
| CERT | 22957 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.75B |
| Total Deposits | $2.44B |
| Total Liabilities | $2.47B |
| Total Equity Capital | $275.41M |
| Net Income | $8.73M |
| Net Loans and Leases | $1.52B |
| Assets Per Employee ($Millions) | $13.09M |
| Bank Premises and Fixed Assets | $27.00M |
| Cash and Balances due from Depository Institutions | $559.23M |
| Deposits Held in Domestic Offices | $2.44B |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 13% |
| Net Interest Margin | 3.96% |
| Efficiency Ratio | 42.38% |
| Tier 1 Risk-Based Capital Ratio | 14.895% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.022% |
| Earning Assets to total Assets | 95.67% |
Income and Expense
| Total Interest Income | $38.64M |
| Total Noninterest Income | $1.61M |
| Total Interest Expense | $12.92M |
| Total Noninterest Expense | $11.59M |
| Net Interest Income | $25.73M |
| Pre-tax Net Operating Income | $8.89M |
| Provision for Credit Losses | $6.86M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $4.87M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $28.06M |
| Total Liabilities and Capital | $2.75B |
Securities
| Securities | $565.03M |
| Available-for-sale debt securities | $564.86M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Texas National Bank?
$2.75B as of the latest filing.
How much are West Texas National Bank's total deposits?
$2.44B in total deposits.
Where is West Texas National Bank located?
Midland, TX.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
13.
When was it established?
09/24/1979.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$1.52B (latest filing).
What is the total interest income (latest filing)?
$38.64M.