Western Bank
Lubbock, TX
IDRSSD: 199463
Total Assets
$844.76M
Latest filing
Total Deposits
$729.05M
Latest filing
Net Interest Margin
5.42%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111323731LUBBOCK, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Western Bank
1617 Broadway
Lubbock, TX 79401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1909FDIC Certificate 1133
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Western Bank (Main) | 1617 Broadway | Lubbock, TX |
| GRUVER BRANCH | 3 Main Plz | Gruver, TX |
| ABILENE BRANCH | 2550 Buffalo Gap Rd | Abilene, TX |
| BIG SPRING BRANCH | 607 Scurry St | Big Spring, TX |
| BROWNWOOD BRANCH | 1110 Clements | Brownwood, TX |
| LUBBOCK LPO | 1116 Broadway | Lubbock, TX |
| LUBBOCK 82ND BRANCH | 5701 82nd St | Lubbock, TX |
| AMARILLO - LEXINGTON BRANCH | 4800 Lexington Sq | Amarillo, TX |
Showing 7 of 9
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 | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79401 |
| State and County Number | 48303 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | Lubbock, TX |
Operational Info
| Number of Employees | 139 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/06/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.westernbank.com |
| Data Updated | 01/30/2026 |
| CERT | 1720 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $844.76M |
| Total Deposits | $729.05M |
| Total Liabilities | $771.90M |
| Total Equity Capital | $72.86M |
| Net Income | $2.60M |
| Net Loans and Leases | $676.59M |
| Assets Per Employee ($Millions) | $6.21M |
| Bank Premises and Fixed Assets | $41.21M |
| Cash and Balances due from Depository Institutions | $73.20M |
| Deposits Held in Domestic Offices | $729.05M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 14.4% |
| Net Interest Margin | 5.42% |
| Efficiency Ratio | 67.91% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.48% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.625% |
| Earning Assets to total Assets | 91.12% |
Income and Expense
| Total Interest Income | $14.26M |
| Total Noninterest Income | $829.00k |
| Total Interest Expense | $3.87M |
| Total Noninterest Expense | $7.62M |
| Net Interest Income | $10.39M |
| Pre-tax Net Operating Income | $2.60M |
| Provision for Credit Losses | $1.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $6.80M |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.85M |
| Total Liabilities and Capital | $844.76M |
Securities
| Securities | $30.66M |
| Available-for-sale debt securities | $30.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Western Bank?
$844.76M as of the latest filing.
How much are Western Bank's total deposits?
$729.05M in total deposits.
Where is Western Bank located?
Lubbock, TX.
What is the Net Interest Margin?
5.42%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$676.59M (latest filing).
What is the total interest income (latest filing)?
$14.26M.