BlastPoint's Banking Scorecard

West Bank

$1B-$10B Specialty: Commercial IA FDIC cert 15614

Designations: ✓ Community bank

West Des Moines, IA

12 branches across IA · MN

884 banks in the $1B-$10B peer group nationally 27 in IA

West Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 14.37% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 46.0% in tier
- Net Interest Margin 1.10% below tier average
- ROA 0.20% below tier average

Get updates when West Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$4.0B +0.6% YoY -3.2% QoQ	+$1.2B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$3.0B -0.8% YoY -0.3% QoQ	+$996.4M	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$3.3B +0.4% YoY -3.8% QoQ	+$998.5M	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.16% +26.8% YoY +24.2% QoQ	-0.20%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	2.71% +12.5% YoY +7.3% QoQ	-1.10%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 8.4% in tier
Efficiency Ratio ?	46.69% -10.6% YoY -7.5% QoQ	-14.37%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 13.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.61% -1.2% YoY +3.6% QoQ	+4.41%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	15.50% -1.6% YoY -1.5% QoQ	-5.79%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.61% +5.1% YoY +1.4% QoQ	-2.55%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.06% +13.3% YoY -74.2% QoQ	-0.19%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	16%

Get Full Access to West Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#70 of 150 • Bottom 46.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.16%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

123

Efficiency Ratio

profitability

Value: 46.69%

Peer Median: 61.06%

#123 of 884 Top 13.8% in $1B-$10B

161

Total Loans

size

Value: $2.96B

Peer Median: $1.96B

#161 of 884 Top 18.1% in $1B-$10B

178

Total Assets

size

Value: $4.01B

Peer Median: $2.82B

#178 of 884 Top 20.0% in $1B-$10B

178

Total Deposits

size

Value: $3.34B

Peer Median: $2.34B

#178 of 884 Top 20.0% in $1B-$10B

Top Weaknesses (2 metrics)

811

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.82%

#811 of 884 Bottom 8.4% in $1B-$10B

745

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#745 of 884 Bottom 15.8% in $1B-$10B