Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grapevine, TX · FDIC certificate #26627
BANK OF THE WEST is an FDIC-insured institution based in Grapevine, TX (FDIC certificate #26627). In its Q3 2026 Call Report it reported total assets of $837M, total deposits of $756M and net loans of $523M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF THE WEST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $837M in Q3 2026 and were lowest at $804M in Q1 2026.
Total deposits were highest at $756M in Q3 2026 and lowest at $721M in Q1 2026.
Over the whole period total assets rose 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $837M | $756M | $523M | 1.63% | 17.72% | 4.32% |
| Q2 2026 | $830M | $747M | $498M | 1.60% | 17.31% | 4.29% |
| Q1 2026 | $804M | $721M | $492M | 1.58% | 17.07% | 4.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $217.0M | $198.3M | +$18.6M | +9.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $80.9M | $79.9M | +$1.1M | +1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $784K | $4.1M | -$3.3M | -80.8% |
| Net loans and leases (after allowance) | $497.2M | $488.3M | +$8.9M | +1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $27.6M | $27.3M | +$343K | +1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $647K | $647K | $0K | 0.0% |
| All other assets | $5.7M | $5.3M | +$358K | +6.8% |
| Total assets | $829.8M | $803.8M | +$25.9M | +3.2% |
| Liabilities | ||||
| Total deposits | $747.1M | $720.7M | +$26.4M | +3.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.6M | $6.9M | -$1.3M | -19.5% |
| Total liabilities | $752.6M | $727.6M | +$25.0M | +3.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $29.9M | $29.9M | $0K | 0.0% |
| Retained earnings | $48.1M | $46.9M | +$1.1M | +2.4% |
| Accumulated other comprehensive income | -$1.9M | -$1.6M | -$231K | -14.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $77.1M | $76.2M | +$905K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $675K | -$675K | -100.0% |
| Adjusted nonperforming assets | $0K | $675K | -$675K | -100.0% |
| Tangible equity plus allowance | $81.9M | $81.1M | +$829K | +1.0% |
| Texas ratio (gross) | 0.00% | 0.83% | -0.83 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.83% | -0.83 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.09% | 2.97% | -0.88 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.31% | 15.36% | -0.04 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.31% | 15.36% | -0.04 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.22% | 1.22% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.53% | 16.58% | -0.04 pts | See points |
| Tier 1 leverage (approximate) | 9.66% | 9.47% | +0.18 pts | See points |
| Construction and land loans to total capital | 116.18% | 116.69% | -0.51 pts | See points |
| Commercial real estate to total capital | 221.03% | 210.81% | +10.21 pts | See points |
| Dividend payout, year to date | 65.23% | 64.22% | +1.02 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.39% | -2.12% | -0.26 pts | See points |
| Liquidity | ||||
| Core deposits | $691.8M | $663.7M | +$28.1M | +4.2% |
| Non-core funding | $55.3M | $57.0M | -$1.8M | -3.1% |
| Loans to core deposits | 72.66% | 74.41% | -1.76 pts | See points |
| Loans to deposits | 67.28% | 68.52% | -1.24 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 4.88% | 4.96% | -0.08 pts | See points |
| Loans pledged, share of loans | 96.14% | 96.52% | -0.38 pts | See points |
| Volatile liabilities | $55.3M | $57.0M | -$1.8M | -3.1% |
| Earnings | ||||
| Earnings before provision, year to date | $6.9M | $3.4M | +$3.5M | +102.1% |
| Earnings before provision, single quarter | $3.5M | $3.4M | +$70K | +2.1% |
| Provision for credit losses, year to date | $210K | $105K | +$105K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.10% | 6.93% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.71% | +0.02 pts | See points |
| Total interest income to average assets | 5.65% | 5.54% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.25% | 0.25% | +0.00 pts | See points |
| Cost of savings and money market deposits | 2.62% | 2.49% | +0.13 pts | See points |
| Cost of time deposits | 3.43% | 3.47% | -0.04 pts | See points |
| Total interest expense to average assets | 1.52% | 1.49% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $837M | $756M | $523M | 1.63% | 17.72% | 4.32% |
| 2026-06-30 | $830M | $747M | $498M | 1.60% | 17.31% | 4.29% |
| 2026-03-31 | $804M | $721M | $492M | 1.58% | 17.07% | 4.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $686.9M | 0.05% | 151 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.