| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.6 pts |
| Deposit growth (YoY) | +6.7% | +5.1% | +1.6 pts |
| Loan growth (YoY) | +1.2% | +5.9% | -4.7 pts |
| ROA | 1.59% | 1.26% | +0.3 pts |
| ROE | 15.5% | 12.2% | +3.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.88B | $2.56B | $1.47B | $295.2M | $22.5M | 1.59% | 3.95% | 1.06% |
| Q1 2026 | $2.78B | $2.47B | $1.51B | $286.5M | $7.3M | 1.05% | 3.82% | 1.30% |
| Q4 2025 | $2.81B | $2.50B | $1.52B | $285.8M | $51.0M | 1.83% | 3.93% | 0.86% |
| Q3 2025 | $2.75B | $2.44B | $1.52B | $275.4M | $36.1M | 1.74% | 3.88% | 0.92% |
| Q2 2025 | $2.69B | $2.40B | $1.45B | $261.9M | $27.4M | 1.97% | 3.87% | 1.04% |
| Q1 2025 | $2.88B | $2.59B | $1.36B | $252.2M | $11.9M | 1.69% | 3.53% | 0.97% |
| Q4 2024 | $2.77B | $2.50B | $1.40B | $242.8M | $51.2M | 2.05% | 4.15% | 0.88% |
| Q3 2024 | $2.49B | $2.22B | $1.45B | $240.2M | $30.9M | 1.70% | 4.18% | 0.80% |
Loan mix (Q2 2026): real estate $892.8M · commercial $500.6M · consumer $5.8M · securities $662.2M
| Ratio | West Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.26% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.5% | 59.0% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | West Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | West Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | West Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | West Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | West Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
13 branches in 10 counties across 1 state (+0 vs 2024) · $2.40B branch deposits. Biggest market: Midland, TX, ranked 3rd with 12.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Midland, TX | 3 | $1.25B | 12.17% | 3rd |
| Reeves, TX | 1 | $635.7M | 44.95% | 2nd |
| Gaines, TX | 1 | $162.4M | 31.08% | 2nd |
| 7 more counties with Pro → | ||||
Texas: 65th with 0.15% · Midland metro: 3rd, 11.69% · Odessa metro: 23rd, 0.56% ·
Branch count: 2022 11 · 2023 12 · 2024 13 · 2025 13