West Texas State Bank
Snyder, TX
IDRSSD: 406666
Total Assets
$363.87M
Latest filing
Total Deposits
$320.00M
Latest filing
Net Interest Margin
4.87%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
West Texas State Bank
5009 College Ave
Snyder, TX 79549
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/14/1950FDIC Certificate 10962
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Texas State Bank (Main) | 5009 College Ave | Snyder, TX |
| EDWARDS STREET BRANCH | 211 Edward St | Rowena, TX |
| WEST TEXAS STATE BANK - ODESSA BRANCH | 4803 Plaza Blvd. | Odessa, TX |
| WEST TEXAS STATE BANK - LUBBOCK BRANCH | 7202 Slide Road | Lubbock, TX |
| ODESSA BRANCH | 1330 E 8th St | Odessa, TX |
Showing 4 of 4
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/14/1950 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79549 |
| State and County Number | 48415 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Snyder, TX |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/14/1950 |
| Primary Insurance Agency | DIF |
| Website | www.ebanktexas.com |
| Data Updated | 11/14/2025 |
| CERT | 16866 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $363.87M |
| Total Deposits | $320.00M |
| Total Liabilities | $323.94M |
| Total Equity Capital | $39.92M |
| Net Income | $2.11M |
| Net Loans and Leases | $234.36M |
| Assets Per Employee ($Millions) | $5.97M |
| Bank Premises and Fixed Assets | $11.27M |
| Cash and Balances due from Depository Institutions | $45.88M |
| Deposits Held in Domestic Offices | $320.00M |
Key Performance Ratios
| Return on Assets (ROA) | 2.37% |
| Return on Equity (ROE) | 22.07% |
| Net Interest Margin | 4.87% |
| Efficiency Ratio | 49.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.972% |
| Earning Assets to total Assets | 92.62% |
Income and Expense
| Total Interest Income | $6.03M |
| Total Noninterest Income | $144.00k |
| Total Interest Expense | $2.00M |
| Total Noninterest Expense | $2.06M |
| Net Interest Income | $4.03M |
| Pre-tax Net Operating Income | $2.11M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $3.40M |
| Other borrowed funds | $1.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.44M |
| Total Liabilities and Capital | $363.87M |
Securities
| Securities | $56.74M |
| Available-for-sale debt securities | $56.74M |
| 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 State Bank?
$363.87M as of the latest filing.
How much are West Texas State Bank's total deposits?
$320.00M in total deposits.
Where is West Texas State Bank located?
Snyder, TX.
What is the Net Interest Margin?
4.87%.
How many domestic offices does it operate?
4.
When was it established?
01/14/1950.
What is the Return on Assets (ROA)?
2.37%.
How much are total loans and leases?
$234.36M (latest filing).
What is the total interest income (latest filing)?
$6.03M.