Bank of the West: how it compares with its peers
Against 115 TX banks with half to twice its assets, Bank of the West's strongest measure in Q2 2026 is return on assets (1.60% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $8.0M).
| Measure | Bank of the West | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.43% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 4.17% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.94% | 60.19% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.0M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.65% | 78.51% | Context |
What it means for lending operations
Its efficiency ratio of 61.94% is above the 60.19% 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
- Plains State Bank Humble, TX · $828M
- Citizens 1st Bank Tyler, TX · $811M
- Maverick Bank Fort Davis, TX · $809M
- Texas National Bank of Jacksonville Jacksonville, TX · $852M
- Harmony Bank Dallas, TX · $855M
- First Community Bank San Benito, TX · $794M
Questions about Bank of the West
How big is Bank of the West?
Bank of the West, established in 1986, is headquartered in Grapevine, TX. It reported $830M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Bank of the West's return on assets?
1.60% annualized in Q2 2026, against a 1.43% median for 115 TX banks with half to twice its assets, ahead of 60% of them.
What is Bank of the West's efficiency ratio?
61.94% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 60.19%, and lower is better.
Is Bank of the West growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits grew 8.8%.
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.