BlastPoint's Banking Scorecard

Western Bank

$100M-$1B Specialty: Commercial NM FDIC cert 16720

Artesia, NM

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
Deposits +8.2% year over year ($313.2M on the books).
Delinquency rate 0.00%.
Return on assets 2.80%.
Efficiency ratio 39.83% vs a 64.48% peer average.
Loan-to-deposit ratio 54.58% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 21 in NM

View $100M-$1B leaderboard (NM) →

Western Bank shows strong momentum with 5 strengths and 9.0% YoY asset growth

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

+ Deposit Franchise: Top 30.9% in tier
+ Credit Quality Leader: Top 31.9% in tier
+ Return on Assets 1.47% above tier average
+ Efficiency Ratio 24.65% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Western Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$350.5M +9.0% YoY +10.0% QoQ	-$36.1M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$171.0M +8.0% YoY +0.2% QoQ	-$87.4M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$313.2M +8.2% YoY +10.7% QoQ	-$13.5M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	2.80% -6.2% YoY -5.6% QoQ	+1.47%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	Top 2.8% in tier
Net Interest Margin ?	4.68% -3.2% YoY -5.1% QoQ	+0.70%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	Top 14.8% in tier
Efficiency Ratio ?	39.83% +9.2% YoY +1.8% QoQ	-24.65%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	Top 4.0% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	54.58% -0.1% YoY -9.4% QoQ	-23.37%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	Top 12.2% in tier
Non-Interest-Bearing Deposit Share ?	47.04% -28.4% YoY -11.3% QoQ	+25.01%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	Top 2.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.80% -1.9% YoY +1.6% QoQ	-0.11%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.10% -13.6% YoY +84.6% QoQ	-0.47%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	17%

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 (NM)	National Avg	Tier Percentile
Noninterest-Bearing	47.0% -18.7pp YoY -6.0pp QoQ	+24.9pp	22.1%	34.1%	22.2%	98%
Brokered Deposits	n/a	n/a	7.9%	5.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	68.6% -3.4pp YoY -1.7pp QoQ	+57.0pp	11.6%	20.2%	12.5%	100%
CRE	24.0% +2.5pp YoY +3.5pp QoQ	-15.5pp	39.5%	50.8%	41.4%	25%
1-4 Family	1.2% -0.8pp YoY -1.8pp QoQ	-31.4pp	32.6%	20.2%	31.3%	1%
Consumer	4.7% +0.3pp YoY +0.1pp QoQ	+0.5pp	4.1%	3.8%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	15.8% -0.3pp YoY +0.2pp QoQ	-3.0pp	18.8%	26.0%	19.7%	56%
Leverage Ratio	11.1% +0.9pp YoY +0.3pp QoQ	-1.0pp	12.2%	13.9%	12.6%	53%
Total Capital Ratio	16.8% -0.3pp YoY +0.3pp QoQ	-3.2pp	19.9%	27.1%	20.8%	55%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	23 0 YoY -1 (-4.2%) QoQ	-36	58	75	482	15%
Assets per Employee ($)	$15.2M +9.0% YoY +14.8% QoQ	+$7.7M	$7.5M	$7.6M	$8.8M	97%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	56.44x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	39%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	28.4% -8.7pp YoY -1.1pp QoQ	+16.3pp	12.2%	18.9%	11.6%	98%
Cost of Funds (YTD)	0.5% +0.4pp YoY 0.0pp QoQ	-1.2pp	1.7%	1.0%	1.7%	2%
Net Income ($, YTD)	$4.5M -11.1% YoY — QoQ	+$2.0M	$2.6M	$5.6M	$40.4M	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (2)

Deposit Franchise

growth

#87 of 278 • Top 30.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 47.04%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.68%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#211 of 659 • Top 31.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 47.04%

Peer Median: 22.03%

#58 of 2643 Top 2.2% in $100M-$1B

Return on Assets

profitability

Value: 2.80%

Peer Median: 1.32%

#76 of 2643 Top 2.8% in $100M-$1B

106

Efficiency Ratio

profitability

Value: 39.83%

Peer Median: 64.48%

#106 of 2643 Top 4.0% in $100M-$1B

323

Loan-to-Deposit Ratio

liquidity

Value: 54.58%

Peer Median: 77.95%

#323 of 2643 Top 12.2% in $100M-$1B

393

Net Interest Margin

profitability

Value: 4.68%

Peer Median: 3.99%

#393 of 2643 Top 14.8% in $100M-$1B

Top Weaknesses (1 metrics)

2188

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2188 of 2643 Bottom 17.3% in $100M-$1B