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West Bank

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

Designations: ✓ Community bank

West Des Moines, IA

12 branches across IA · MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
  • Deposits -1.3% year over year ($3.4B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.19%.
  • Efficiency ratio 46.33% vs a 59.73% peer average.
  • Loan-to-deposit ratio 87.11% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (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 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 13.40% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 35.8% in tier
  • - Net Interest Margin 1.09% below tier average
  • - ROA 0.20% below tier average
Get updates when West Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $4.0B
-0.7% YoY +0.5% QoQ
+$1.2B $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $2.9B
-0.5% YoY -1.4% QoQ
+$956.5M $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $3.4B
-1.3% YoY +0.3% QoQ
+$1.0B $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 1.19%
+29.4% YoY +2.3% QoQ
-0.20% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 2.78%
+14.6% YoY +2.6% QoQ
-1.09% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 8.7% in tier
Efficiency Ratio ? 46.33%
-11.5% YoY -0.8% QoQ
-13.40% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 14.5% in tier
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 87.11%
+0.8% YoY -1.7% QoQ
+2.07% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 16.72%
+7.8% YoY +7.9% QoQ
-4.55% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.03%
+6.0% YoY +3.3% QoQ
-1.81% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.13%
+11.5% YoY +100.8% QoQ
-0.40% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 13.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 16.7%
+1.2pp YoY
+1.2pp QoQ
 -4.6pp 21.4% 17.8% 22.2% 34%
Brokered Deposits 3.3%
-2.8pp YoY
-0.2pp QoQ
 -6.2pp 9.5% 6.0% 8.5% 37%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 14.5%
-1.0pp YoY
0.0pp QoQ
 +0.5pp 14.0% 12.8% 12.5% 65%
CRE 77.2%
-0.3pp YoY
+0.3pp QoQ
 +27.2pp 50.0% 28.3% 41.4% 94%
1-4 Family 5.4%
+1.6pp YoY
-0.2pp QoQ
 -21.0pp 26.4% 23.0% 31.3% 7%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.5pp 4.7% 2.9% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 13.0%
+0.7pp YoY
+0.4pp QoQ
 -2.6pp 15.6% 15.4% 19.7% 42%
Leverage Ratio 10.8%
+0.4pp YoY
+0.1pp QoQ
 -0.5pp 11.3% 12.4% 12.6% 56%
Total Capital Ratio 14.0%
+0.8pp YoY
+0.4pp QoQ
 -2.7pp 16.7% 16.5% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 190
+1 (+0.5%) YoY
0 QoQ
 -124 313 64 482 38%
Assets per Employee ($) $21.2M
-1.2% YoY
+0.5% QoQ
 +$10.7M $10.5M $8.9M $8.8M 96%
Branch Count 12
0 YoY
0 QoQ
 -8 20 5 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.8% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 18.97x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.0%
+2.2pp YoY
+0.1pp QoQ
 +0.4pp 12.6% 12.8% 11.6% 57%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.8% 1.7% 75%
Net Income ($, YTD) $24.2M
+30.8% YoY
— QoQ
 +$4.9M $19.2M $4.0M $40.4M 76%

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
#59 of 162 • Bottom 35.8% 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: 1.19%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
129
Efficiency Ratio
profitability
Value: 46.33%
Peer Median: 59.73%
#129 of 885 Top 14.5% in $1B-$10B
165
Total Loans
size
Value: $2.92B
Peer Median: $1.96B
#165 of 885 Top 18.5% in $1B-$10B
171
Total Assets
size
Value: $4.03B
Peer Median: $2.79B
#171 of 885 Top 19.2% in $1B-$10B
175
Total Deposits
size
Value: $3.35B
Peer Median: $2.32B
#175 of 885 Top 19.7% in $1B-$10B

Top Weaknesses (2 metrics)

809
Net Interest Margin
profitability
Value: 2.78%
Peer Median: 3.87%
#809 of 885 Bottom 8.7% in $1B-$10B
764
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.53%
#764 of 885 Bottom 13.8% in $1B-$10B
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