# WESTERN NATIONAL BANK
ODESSA, TX · FDIC certificate 22482 · asset band $1-10B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $1.46B | |
| Deposits | $1.34B | |
| Loans and leases | $679.2M | |
| Total equity | $94.7M | |
| Loans / deposits | 50.08% (p9 of band) | 80.83% |
| Liquid assets / assets | 50.09% (p90 of band) | |
| Uninsured deposits / deposits | 43.45% (p88 of band) | 22.76% |
| Brokered deposits | 11.64% | |
| Wholesale funding | 13.00% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.58% (p3 of band) | 9.78% |
| Unrealized securities loss / equity | 0.24% (p63 of band) | -0.17% |
| AOCI / equity | 0.01% (p12 of band) | |
| ROA (annualized) | 1.37% (p85 of band) | 0.87% |
| Net interest margin | 2.34% (p8 of band) | 3.48% |
| Efficiency ratio | 58.37% (p23 of band) | |
| Noncurrent loans | 1.52% (p64 of band) | 1.07% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 63.77% | |
| Real estate % of loans | 34% | |
| Construction % of loans | 80.25% (p93 of band) | |
| Auto loans | $689,000 (0.10% of loans; DQ 0.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, reserve under noncurrent |  |
| 2011-06 | 1 |  | uninsured deposits >50% |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 | uninsured deposits >50% | capital falling |
| 2012-03 | 1 |  | uninsured deposits >50% |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | losing money, reserve under noncurrent | wholesale funding >15% |
| 2013-12 | 3 | capital falling | losing money |
| 2014-03 | 5 | leverage <7%, NIM <2.5% |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2013-08-14 [Merger Announced Between Cullen-Frost And Oil-Rich West Texas Bank - Texas Public Radio | TPR](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUWdLVVAzRWtsSFZUSnoxcHVLaXVCaFQyYTJMYlNsVHZkLWwxQVdMZFltSnYxUWxqaTM0MEp5UHNrR1dnVXZqNktDemJpWUFDQlRwTTBmRlMyX1hudlhKRnh1UmI3WEJ3c2RjbVo0WklRaEhXWjFaaDRQTXJPZXVnZ3d2RVB2T2wySU5YUUx5MEoxSnQxV1g0Q2JpalBfVEdNUFdLQVo4allPdw?oc=5) · Texas Public Radio | TPR
- 2014-06-20 [Cullen/Frost Bankers Finalizes Merger of Western National Bank into Frost Bank - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPS0ptNVJGX2ZSVnVHeHFlYkdKLUo0b2lZZENZY0NoRE4ycHB4WWc0eEFHU2Z5RUxWVFNqcTM5QW1sQ25BOGUtMUQ1MjBHQkppTjNUNTdhLTg3YWxxOWozN25xWks0MEZucThJLVhkNERnekQ5YU5hQTA0YUlRcjdlNGdzNUJ0Q3RSQ1J1SEllRm1BdDl0Tm5RYnFiNmoyT1lpSS1ndHF6MUt6MVF5dy1uMUl5RDRRZ2RvdTJ6LVVkUHV5ZWNfaHhUZElnenJBQQ?oc=5) · PR Newswire
- 2016-08-23 [Banker, philanthropist Clay Wood dies - CBS7](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMkd6WW9UTWo3QnAxRE1DQVdtbTZlTEc5Y2FmbUNoVHVzZm14di1HR21EQkoydHNnUl85UFFxNHlkZEpiVDY3SGlYeFpfSGttZFlUVWg4QWlRazAzNUF4R3ZoZERyM2NteGRvQkV1YUFERVg5Xzl6OTQ1akoyYU1Qc0dUVmhSOWlVM0RKaWRpTUYzOEdMcnhn?oc=5) · CBS7
- 2024-09-07 [Donna Gayle McKandles Obituary Sep 7, 2024 - Sunset Memorial Gardens & Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9UQkwzOWRaZk8wYjZSQmpyajFyYmJab1RxZGR6OWhldDctYlpUdmd1Y2FmRmVqREFQcFlWeFdNOE84eEZqVThuaFNuQk1ERER3UUprZjdLZ3dLTUI4V3l3Qnpyak5iUQ?oc=5) · Sunset Memorial Gardens &amp; Funeral Home
- 2026-01-29 [Frost Bank continues to post strong returns from ongoing branch expansion in Texas - San Antonio Express-News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTi1FZVp6TVR6RjRybDFGTnpFeS1CMjNrQnJGY0Q2WUQ5MUE1NlRVUDZ5elZIY015VEZPTWczeWt5ODRyRW4xdXRGY29BTy1VVGVQLUt3bzFwcnlXOEhjclNueHZWaHNpbXpvVERyMEMtQXBabnl5RGFBN1RwSnpjZkFKY0x5TGVqXzdFVTdrLXhrLWZBYU9JVHdvZHFfbTNaOHRmajdqbw?oc=5) · San Antonio Express-News
- 2021-10-22 [Dorothy Arel Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBXYjdEanc3ajlPRDQweFZybVItUkF6NTA1UUszY2kzWGx2SV9IZlBvYllKNkVNcmt6Wm56dllYYVlFOEFKSlY4aTJGVlZLdXJ0ckJGQzczaW40d3VablJ6NjM5RFNnU2syTk9yYzA5RDZMQy1NeGIzMjFldkpNazg?oc=5) · Dignity Memorial
- 2012-05-24 [KIMBROUGH-PARKER - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxNOHJmSWNtNXhaeWhOcldFQWl3Rk0zSnp2Y24yc3gtcTdVYXlSMmF6WlNRcUJxUUVwTk9wdUhrQmZuQzQ5TVVGb2hPTXB6M3BvT1Z6UlQ5bUI3TE5LZmROamMtM1JsbVNxU3QyNm1LU2RXcUQtdFY4NThxdm1mMHJjUVQ5eW1xWHVWTjN3a2JSNA?oc=5) · Lubbock Avalanche-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22482 (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/18.json (key "22482", 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