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West Texas National Bank is a regional bank serving the Permian Basin since 1904, offering personal, commercial, energy, and agricultural banking services with multiple branch locations across West Texas.
Data compiled from public sources
West Texas National Bank has been operating since 1904, establishing itself as a deeply rooted financial institution in West Texas with headquarters in Midland. The bank has built its reputation on understanding the region's unique economic drivers, particularly the energy sector and agricultural industries that define the Permian Basin economy. The bank offers a comprehensive suite of banking services including personal banking (checking, savings, mortgages), commercial banking, small business banking, energy sector lending, agribusiness lending, commercial real estate financing, and treasury cash management solutions.
Customers can access accounts through online banking available 24/7, multiple physical branch locations, ATMs with deposit capabilities, and customer service via phone. What distinguishes West Texas National Bank is its listed experience context in energy banking and its position as Midland-headquartered and Midland-owned. The bank markets itself specifically to the Permian Basin energy industry with a dedicated Energy Banking Team and emphasizes its deep regional relationships and understanding of local business needs.
Their agribusiness lending division offers customized solutions for farmers and ranchers, reflecting regional experience context beyond typical banking. As a regional bank, WTNB provides traditional banking services with local decision-making and personalized service, though as a smaller institution it may have fewer digital features than larger national banks. Recent branch consolidations (Summit location eliminating drive-through and ATM services as of March 30, 2026) indicate the bank is adjusting its footprint.
For customers seeking relationship-based banking with energy or agricultural focus in West Texas, this institution offers relevant experience context.
This is state-level context for Banks consumers in Midland, TX. It does not confirm that West Texas National Bank or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
West Texas National Bank processed 79 mortgage applications in 2023, with 81% recorded as approved across 3 states.
79
Applications
81%
Approval Rate
$352K
Avg Loan
3
States Served
Based on 79 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
West Texas National Bank offers 12 services including Personal checking and savings accounts, Online banking available 24/7, Home mortgage lending and refinancing, Small business banking products, Energy sector banking and lending, and 7 more.
West Texas National Bank has profile signals associated with Energy sector businesses and professionals working in the Permian Basin, Farmers, ranchers, and agribusiness operators needing listed agricultural lending, West Texas residents and businesses seeking relationship-based banking with local experience context, Commercial real estate investors and developers in the West Texas region.
Key strengths: 120+ year history serving West Texas, providing institutional stability and deep regional knowledge; listed Energy Banking Team serving the Permian Basin with dedicated experience context; Customized agribusiness lending for farmers, ranchers, and agricultural operations. Areas to consider: Summit location eliminating drive-through, night deposit, and ATM services effective March 30, 2026, reducing convenience for existing customers; Limited branch hours compared to larger banks (most locations close at 3-4 p.m. weekdays, no weekend hours mentioned).
In the Banks category, comparable providers include Credit Human | Park Ten Financial Health Center, PECU, SouthStar Bank Austin Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
West Texas National Bank is profile signals for energy sector professionals, agricultural operators, and regional businesses in the Permian Basin who value relationship banking and listed industry experience context. The main caveat is that recent branch consolidations and limited operating hours reflect a regional bank adjusting its footprint, and service availability is concentrated in West Texas—making it less suitable for customers requiring broad geographic reach or extended banking hours.
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