🏦Bank Scorer

WESTERN BANK

LUBBOCK, TX · Supervised by FDIC

Est. 1909FDIC #1,720RSSD: FDIC-1720
Part ofCIRCLE I BANK GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Address

1617 Broadway, LUBBOCK, TX

County

Lubbock County

Established

January 1, 1909

Total Assets

$944M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$944M

Total Deposits

$834M

Net Loans

$728M

Net Income

$5M

ROA

2.02%

ROE

24.35%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$718M

1-Year Change

-1

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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