# WESTERN BANK
LUBBOCK, TX · FDIC certificate 1720 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $947.2M | |
| Deposits | $796.9M | |
| Loans and leases | $772.8M | |
| Total equity | $83.8M | |
| Loans / deposits | 95.80% (p83 of band) | 82.04% |
| Liquid assets / assets | 12.25% (p9 of band) | |
| Uninsured deposits / deposits | 29.73% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.55% (p66 of band) | |
| FHLB advances / assets | 6.55% | |
| Tier 1 leverage | 9.77% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -3.47% (p70 of band) | -8.10% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | 1.84% (p82 of band) | 1.28% |
| Net interest margin | 5.28% (p96 of band) | 3.91% |
| Efficiency ratio | 62.87% (p55 of band) | |
| Noncurrent loans | 0.31% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 395.94% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 113.48% (p90 of band) | |
| Auto loans | $328,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 139 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 4 | reserve under noncurrent |  |
| 2012-12 | 2 | NIM <2.5% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 3 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, reserve under noncurrent |  |
| 2016-03 | 0 |  | capital falling, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | construction >100% equity, capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | capital falling, construction >100% equity |  |
| 2023-12 | 0 |  | capital falling, construction >100% equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | construction >100% equity |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 1 |  | reserve under noncurrent |
| 2026-06 | 1 |  |  |

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

- 2026-08-13 [Amarillo woman sentenced to probation for embezzling from Western Bank - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRTNIdFQ2bTJ2LU5waHVmRFVmaGh5QVdBQng0YnZaLVNJTFdzQzY2UWRpTFhfVGNaeEFBYXdBNnFqalc3MlZzQ1NIbEVabnQtNmJ2Sm03MS1MYUwybVB2ck5vU3hVT0FGTkFhb3RDTzUzUlRQRk1nVUtXVjZVc1BNcWFPRkVNbmJWekUwQlI3bTdMNWYzT2twbnVlNmxqSU5PUEHSAbYBQVVfeXFMTVI1VHRvcHBHR0Q2NUJiNk5YZzdVOVo3aDY4bUlhVXV1VGZvdDU5Q0VlLVhWZXhzSEtZSjRWVmxCb2Q2U0RsQmJWT3BFcmctai0zLTF3MTRrblFveFBXeHd4d1ZjeDVzTzVaaXQxdG9Hd0V1cGRSZFFGcGVyMFY4RkxXck5UUzdhRko0bGdfOTVFaENaV3NwTzZjWndWMmJkamVyRGdyLUJmQ0M1OUdYZWZ2MFRyaEE?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2026-03-10 [Amarillo bank teller pleads guilty to stealing nearly $16,000 in cash from her drawer - abc7amarillo.com](https://news.google.com/rss/articles/CBMikwJBVV95cUxNdWIxMEVPeWF6QTFIUDdxQUgxMUdBTVdHWEtFdHd6Q1VWZFBHZ3ZyUEx3clJZREpMcVZyQUY4M2RfejhvWXlhRWxYRmY4QzZkZjFpWVhWR3JfM0h2eTlRQURDakZDUV9iempFekx1dGMwX0Q4WlExOWUxaVRBcG94Mzh4WHE5VDlfcmhzRXVpYTVTLXJyZmZQX1M0UVVnbThMU0FrZ0E2U0dVZ3FDeHZ4TkxrQ2NDaUtYUWltZ1RlYTFwbjk3SDU2VzQzU1lJbUJEcVRnYldGeDh2RGVoeHpoMkFfUEJ1UW4tLTIxZU9uUXduYWNuMzNnUkJaMFdQdG5Ed0NWLWNvaFJKSTQ3SUpLYjZTRQ?oc=5) · abc7amarillo.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-13 [Bailey Maupin, Western Bank celebrate hometown connection NIL deal - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOUEpkeGdxMnEzNDFKQjBhLUN6U2JvZTN1dHd6ZkdrX3hGQXR2ZnBySV9mSjd1NmlFYmtIUVoza2QzVjJwa19WWnhGckc5dVk3M2tPZncwZVJiNjYzMXpieUxORmhLNGF4aXlnX0hBZzJScVVIUERrdFhhQkRfV2VHSE15bVhhSnJHRy04XzRSMzJPUVZEeWxkM0ZZYVJLVjBtQnVzWEpCTVNMZUJzSThHd2ZuREhRS01IemlraDloREF2eS1vSTJwVjdIdXlrSnBRZ2FHdzJJTnlSbjJKQ0E?oc=5) · Lubbock Avalanche-Journal
- 2026-01-21 [Gruver products Maupin, Odom team up for Western Bank NIL partnership - Amarillo Globe-News](https://news.google.com/rss/articles/CBMigAJBVV95cUxNUl9VSFg2bzBUVkV6YzlhdTlQOERLUTRONUhkN3RhcFRtMGtJYnNrMmhaNmpTcDRLbHBQTXBXbjVjakVjZmJRcEZJdXRSYllXeTBkeGMwcnloNV9uNDdtajdfV3FPWHFJamtKRUY2VFlNMlFvMHFRYVA0SElLQ3ZtUTZ0TDdzbklacVRrRF9fakFQY3NMQW9rZ2Jsb2tnRHRLNzBHcnhER05kSkFIemp0d0xrLU5oQUJjTG84RjBMcTNvMDN1X3FHWThXZlB3aFZsallrQUlOOE5qalZZS09KSC1FOG8xQ254LWw0UEhUbXFIYjVhb1lJZmN0aEQ5RUEw?oc=5) · Amarillo Globe-News
- 2026-03-10 [Court documents: Amarillo teller admits to stealing money from Western Bank - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2025-09-22 [Western Bank breaks ground on new Amarillo banking center, set to open 2026 - MyHighPlains.com](https://news.google.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?oc=5) · MyHighPlains.com
- 2025-09-22 [New Bank Facility Brings Tech and Community Space - Amarillo Country Radio](https://news.google.com/rss/articles/CBMiZEFVX3lxTE0yLTI5RnN2XzIxRTNwZ2NCRElDT2pqN3UzQUM5VERvdUpvZ05HREphZmtlRExSQlpDV1RSaFNFMDk5UjZ3SThuWk9GQVVhSnZqYldwa3hVT1J0b0Y4VmpuWXd6d2s?oc=5) · Amarillo Country Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1720 (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/56.json (key "1720", 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.

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