Western Bank: how it compares with its peers
Against 110 TX banks with half to twice its assets, Western Bank's strongest measure in Q2 2026 is net interest margin (5.28% vs. a 4.13% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $8.2M).
| Measure | Western Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.84% | 1.42% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.28% | 4.13% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.87% | 60.06% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $8.2M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.80% | 77.64% | Context |
What it means for lending operations
Its efficiency ratio of 62.87% is above the 60.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Granbury Granbury, TX · $946M
- Texas Bank Henderson, TX · $954M
- Texas Heritage National Bank Daingerfield, TX · $936M
- NewFirst National Bank El Campo, TX · $935M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Transpecos Banks, SSB Pecos, TX · $972M
Questions about Western Bank
How big is Western Bank?
Western Bank, established in 1909, is headquartered in Lubbock, TX. It reported $947M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Western Bank's return on assets?
1.84% annualized in Q2 2026, against a 1.42% median for 110 TX banks with half to twice its assets, ahead of 79% of them.
What is Western Bank's efficiency ratio?
62.87% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Western Bank growing its loans?
Net loans grew 18.2% over the year to Q2 2026, while deposits grew 11.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.