# WEST TEXAS NATIONAL BANK
MIDLAND, TX · FDIC certificate 22957 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $2.88B | |
| Deposits | $2.56B | |
| Loans and leases | $1.50B | |
| Total equity | $295.2M | |
| Loans / deposits | 57.44% (p7 of band) | 87.10% |
| Liquid assets / assets | 45.51% (p93 of band) | |
| Uninsured deposits / deposits | 64.10% (p97 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.52% (p50 of band) | 10.50% |
| Unrealized securities loss / equity | -3.21% (p73 of band) | -7.75% |
| AOCI / equity | -3.07% (p2 of band) | |
| ROA (annualized) | 1.59% (p73 of band) | 1.26% |
| Net interest margin | 3.95% (p65 of band) | 3.70% |
| Efficiency ratio | 46.51% (p16 of band) | |
| Noncurrent loans | 1.67% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | 0.47% (p94 of band) | |
| Reserve coverage of noncurrent | 116.56% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 67.38% (p69 of band) | |
| Auto loans | $1.5M (0.10% of loans; DQ 5.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 228 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 1 |  | losing money, reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 3 | uninsured deposits >50%, reserve under noncurrent |  |
| 2016-03 | 1 |  | uninsured deposits >50%, reserve under noncurrent |
| 2016-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 2 | reserve under noncurrent |  |
| 2018-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 | deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking |
| 2020-03 | 1 | capital falling | charge-offs p90 |
| 2020-06 | 2 | noncurrent p90, charge-offs p90 | capital falling |
| 2020-09 | 2 | uninsured deposits >50% | noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | NIM <2.5% |  |
| 2022-06 | 1 |  | capital falling, NIM <2.5% |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 3 |  | reserve under noncurrent |
| 2024-09 | 2 |  | noncurrent p90 |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 3 | noncurrent p90 | charge-offs p90 |
| 2025-06 | 1 |  | capital falling, noncurrent p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | noncurrent p90 |  |
| 2026-06 | 2 | charge-offs p90 | noncurrent p90 |

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

- 2023-12-20 [West Texas National Bank to expand into Plainview, Lockney in 2024 - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxOZFBqQnJaZXFncXlXdTYxajUwblJ6LTlLYkl3Vll5bmlfU3VBSEZieDJCTXlGa0ZXMXZjbzUtMDM0aDd3eGxlQzh0ZGt5ZkVmWl9WalZ0aFBQSkdZTmNkSThqbEpTanlRLS1WVmxMMzN1NHJxMXNBUU5vLVJmUVhaOWxQRzBxX2ZZdFZCUmtMSzFxUVhnZmV6SVdWTmt1VlRXc2RHUUppT21HdDVnb1V2NUZ3bl9UekRCREYxZDUyaF9zQ09IbVpMRHBlWGJKUGM?oc=5) · Lubbock Avalanche-Journal
- 2026-07-28 [Shirley Martinez Obituary (2026) - Midland, TX - Nalley-Pickle & Welch Funeral Home and Crematory - Midland - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQd0E0WEdweWw1T3hoV080VWFOcWNyeU1jZVdwQklDb3FlaFhpTTh2bE5zZnlnZnVQY3NVSWd2bE53VVlIUzZzRnFaV1RQU1J3aFhlaEVpZThSeDNHWTh0N0hhd0xjT3QwREVTYmxQaHBROGYtTVdFbHF2S0xBanpVNzJ3MkdvZw?oc=5) · legacy.com
- 2017-10-04 [West Texas National Bank (WTNB) New Bank President: Chris L. Whigham Promoted to Bank President - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOUUFrdU5IMnhvLWNXamhGUGtxSGtwc3FmcEsyNzFldTBKM2w4bmN5S3dWNlF0bGNzV1RZbUNwSUkwbTl1bWVfNlQ1bWc4QnNUMHJyTm1jNkV5c0JsWnR0NjR6OC01QVRaQ3ZxQXE1N2FrWFQ2NnBaZGRYbEtXbWlRTXZ3NnMydWlIT0JaRWN2VWxpTzR2WHhVOG5CRFJkZXp4RTd5b2JsNjd3Tk4zMkRiWjhjbEEtaG5zcHZMcUY4LWM3WHc0NGl1dU1WZzFSZnlYSk4wcU5IdHZlemZNb3FpNg?oc=5) · PR Newswire
- 2023-12-15 [West Texas National Bank taps Willis McCutcheon to lead Plainview market - Plainview Herald](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPM0JtREZNa2x0Z2I4ZndraGd5cDljSjdnNHBqTWpaVmRZQ3Q3NWF1T0JvZi13N0lKMmxVRzJJN1YtMzJSWmtJVDF4b2ItZWljaWdxN3N0aDZaS0ZPOTZ4R3prREtIdDc5bTJyRVREVzBtWDhrTVY4dVBTb29NNVJDbUZfT2NDQmlvQVJFY29KNzlnRW5NUzltN3FVNkQ5RnF1WkJoQ21VaWk?oc=5) · Plainview Herald
- 2023-07-02 [Midland's West Texas National Bank will enter Lubbock market in August - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOLUhtNVpmWE50XzVmQklJQVd4VmtLRmVlNWFrb3I2N0tTR1JoRUJKSU1EVWRXTklNRUpfYUROUnZ4UGhFdVo3MTZOM0lnV2VEdDFmMnlGMzV3RU41Mm9uOGdDd1hTMkhWV1JLTnlnZDlOR001eU1VOHVPOFFHQ1o3VHZYNkZlaThSMzBFZWUyc2tOZFgxTzF0SjlISUlvMUV4ZGRuT3AzVnpPZlF2U241a2pJU3FvaXh5U0lIOGN1Yi1nMzIzYlJLT3lUT0tWWjc2?oc=5) · Lubbock Avalanche-Journal
- 2018-03-08 [West Texas National Bank Promotes New Chief Lending Officer - PR Newswire](https://news.google.com/rss/articles/CBMitgFBVV95cUxNNExDMXJacWlWZUszV1VrOTNCSjg4OGgwRDZZTlBxeTRxRzhFSnVWUXNJb2YzWk0yM3BxUUFwRVg5OHN4YWxqUFpFTGRuSFdCTlFyTHYzeEdBOFFhbFZJRi1WX2MtSFdvLUljYy1wSXFzSEJGMXRPb21lZ2I5UUNCaE5iXzFzOGJ3aUNKcjN2UEI1QTVkblM0NVc0Vkp3UG4wY1BzalFGdy10RjNhcXdUQm0yTjBqZw?oc=5) · PR Newswire
- 2024-10-29 [WTNB President Chris Whigham shares unique journey from oilfields to banking - mrt.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPTHJFRFRiYzF3YklwODJ4U1U3aXdScklxMUFORDhOXzV6M3llRXdvc0NmWlVqb3B0Y3QxSHNxSDdoVkdnTFVkenBRazhvLVVDRUNwNWt1UVN6MzdiNjNxa1czZ1FORlFwM294VzhOVEh4VW1tZElkZUZHTHNpY2lzZUVhTzlGcUc2WEdQTUhvTXYtVEl1WGtFRUU4TkttMWllVEN6VU1fUQ?oc=5) · mrt.com
- 2023-12-22 [West Texas National Bank announces hires for Plainview, Lockney locations - Plainview Herald](https://news.google.com/rss/articles/CBMinwFBVV95cUxORFRiVmV3Zlp3YjhNMzEtRDc4Z3hfejVUdDNWdTBHanRrQkJwdEhkYzJqWkJhMDJRU3ZKQ3ZST2tfZ1EweXJuSS1ybE5NbVZHTG9QUDMxbHRGQ05WdlpLTmIwODl6S3lzOTVVRlZ5NU1DNjdVZ2tfZ1ZQendTenFfblRpdzZUM29ZSWtZMGJwcWtiTjZDSW90bGdzYXZrekk?oc=5) · Plainview Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22957 (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/45.json (key "22957", 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