# WEST TEXAS STATE BANK
SNYDER, TX · FDIC certificate 16866 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $443.7M | |
| Deposits | $396.5M | |
| Loans and leases | $302.7M | |
| Total equity | $45.0M | |
| Loans / deposits | 75.23% (p35 of band) | 82.04% |
| Liquid assets / assets | 27.43% (p58 of band) | |
| Uninsured deposits / deposits | 40.65% (p88 of band) | 25.97% |
| Brokered deposits | 4.75% | |
| Wholesale funding | 4.75% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -10.20% (p42 of band) | -8.10% |
| AOCI / equity | 0.54% (p92 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.28% |
| Net interest margin | 4.67% (p87 of band) | 3.91% |
| Efficiency ratio | 51.38% (p21 of band) | |
| Noncurrent loans | 1.77% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 81.83% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 82.83% (p79 of band) | |
| Auto loans | $905,000 (0.30% of loans; DQ 5.52%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 28.5% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 2 | capital falling | charge-offs p90 |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | losing money, deposits shrinking, assets shrinking |  |
| 2016-06 | 6 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 6 | uninsured deposits leaving | capital falling |
| 2016-12 | 7 | charge-offs p90 |  |
| 2017-03 | 5 |  | losing money, charge-offs p90 |
| 2017-06 | 7 | losing money, charge-offs p90 |  |
| 2017-09 | 6 |  | losing money |
| 2017-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | capital falling | charge-offs p90 |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | charge-offs p90 |  |
| 2020-09 | 2 |  | capital falling, charge-offs p90 |
| 2020-12 | 3 | NIM <2.5% |  |
| 2021-03 | 2 |  | NIM <2.5% |
| 2021-06 | 3 | NIM <2.5% |  |
| 2021-09 | 1 |  | noncurrent p90, NIM <2.5% |
| 2021-12 | 2 | uninsured deposits leaving |  |
| 2022-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 1 | capital falling | reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-21 [West Texas State Bank announces promotions - Odessa American](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaks3NjNfX0otdm9VY2w2WERXOVVCOFhKRVd4S1lpbnJtVDdhdFVJM1VGVDc4X1lqa1NCZXVtMHJOSG1BYzNHQ2s1QTZmN3M0NTJfM3RSNWs5UzNLd09lejVObGJIN083S1c3V0g1NzBHQXlIb3lReUR5WlVJd2ZNNQ?oc=5) · Odessa American
- 2026-09-06 [Pat Kelley Obituary (2015) - Snyder, TX - Bell-Cypert-Seale Funeral Home - Snyder - AL.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbEdBOTd5MFFIS2w0SnR6VENVb3J1ZkxSTm8zektRZEFocE4yczhCaTk4cThwQ29WcDFLYTExcVItZHRkRnVvaVQwT2k4d1BFTGRibDJDdXdsbGF0OWRpOXB3WnRiU3pBY3luRzkzZzFJZWdJYUZucFlTcXE4NW16elZKWFNpREVB?oc=5) · AL.com
- 2022-01-21 [Sam Vest Obituary Jan 21, 2022 - Harkey Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE93UTNpVlNhVWwtMHlaSFhlMldMcVBuOXhJTjFobzdWdFpvdFRaU1NYa185Rm9wWlhrdl9BT1Z6VVd2Z0NTYllFa2RNNHk4TU1BTHdub1JmZWhRb2w5UUVZ?oc=5) · Harkey Funeral Home
- 2024-08-16 [Joe R. Grist, Sr. Obituary - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBlQnEzQ0NDZExXZVNrX2ttbDBiX090LThZU05ScDFHZXVmUk9EcTI1cTU1aGVDdHAwdnFDc0YzZnNoS28yek8tU3gxeGhOc3EwbzVtU1N6b1FpcDFqT3ZZSkF3?oc=5) · Lubbock Avalanche-Journal
- 2019-12-06 [Cordell Huddleston Obituary Dec 6, 2019 - Brooks Funeral Directors of Canyon](https://news.google.com/rss/articles/CBMia0FVX3lxTE1OdmVDWURtZDZhNTZRcnpwQlNDYkhzclp6bXdDMEpXby00UGdNNEFrZkg0THNxaVF0aVFTUUN2WGg1Mlk3VV9UZjRIZEdQa1RLb19vZHk0YVVhcWxPelhhbEtBd21DOVhqY3Nr?oc=5) · Brooks Funeral Directors of Canyon
- 2025-04-16 [Margaret Evelyn Vaughn Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiYEFVX3lxTE55N0NVZUE1MmtmcHNBNEh6dndwNzVNcmtyY3NLeDdBTkxORHdzbHMyb1ExbWEwYWhwcUg2UTJFSU5yNE5vZnZLZ0lKVHlSV0NlMEhGSDMxbGFqcERqLUoyWQ?oc=5) · Abilene Reporter-News
- 2024-08-13 [Joe Grist, Obituary - Abilene, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTFBrQzJoeXg4eG9ETVJmSGxIbE1Ec3ZucVl1OUN1S0tiQi1YTkltanlZZ2FZSlhlRnBCMW8wUG1YZENPb1pRS0hTT1VRejFQWXdTZnBfZERkdS0xbjYwTkJSM091TU96N3JRNE95eE0tNE16M01MV2dObnNRN0I?oc=5) · Dignity Memorial
- 2019-07-19 [Greta Tatom Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTFA4ejQxS2loZDlpZDkxRFhCSnltU0VRaFlzckYxQktHZEVUcnJWSGsxeWNqUExIWnVMTmJ1TFlTRFpLNGRsV1J0TV9GZ0VJODRteUtMaHl1Vi1JeWNSeDBPbFFmeVVIWm5TNy1TQ1pJc2p1cHRodVhvTHFKMG0?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16866 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "16866", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide