Total Assets
$845M
Total balance-sheet footings
FDIC Cert #1720 · Lubbock, Texas · Est. 1909
Western Bank - FDIC Bank Health Profile
A community-scale look at Western Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $845M
- Total assets
- B
- Health grade · Good
- 1.76%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
Western Bank earns a PlainBankData health grade of B (67/100), with 9.29% Tier 1 capital, profitable at 1.76% ROA, 64% efficiency ratio.
- #1,208
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 9.29%
- Tier 1 ratio - below the 10% well-capitalized line
- 84th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Western Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Western Bank's composite health score
Tier 1 Capital Ratio (9.29%) 18/40
Return on Assets (ROA) (1.76%) 25/25
Texas Ratio (10.96%) 16/20
Efficiency Ratio (64.26%) 8/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$729M
Customer-funded liabilities
Net Loans
$677M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Western Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Western Bank's score of 67/100 falls in the highlighted band.
Western Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Western Bank's $845M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.29% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.29%
Texas Ratio
10.96%
Equity Capital
$73M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.76%
Return on Equity (ROE)
21.31%
Efficiency Ratio
64.26%
What the numbers say about Western Bank
Western Bank is an FDIC-insured institution (Certificate #1720) headquartered in Lubbock, Texas, established in 1909. It holds $845M in total assets - 1,208th of 4,313 FDIC-insured banks, $729M in customer deposits, and $677M in net loans. Capital-wise, the Tier 1 ratio sits at 9.29%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 10.96%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Western Bank sits 106th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$55M
Interest Income
$5M
Non-Interest Income
$28M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Western Bank reports a Texas Ratio of 10.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Western Bank (FDIC Cert #1720) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Western Bank's health grade?▼
Western Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Western Bank?▼
Western Bank holds $845M in total assets and $729M in deposits, ranking 1,208th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lubbock, Texas.
Is my money safe at Western Bank?▼
Yes, deposits at Western Bank (Certificate #1720) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Western Bank's Tier 1 Capital Ratio?▼
Western Bank has a Tier 1 Capital Ratio of 9.29%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Western Bank?▼
Western Bank has a Texas Ratio of 10.96%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Western Bank?▼
Western Bank has an Efficiency Ratio of 64.26%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Western Bank's profile as a depositor or analyst.
- Western Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Western Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.