BlastPoint's Banking Scorecard

Western Bank

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

Artesia, NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

Western Bank has 5 strengths but faces 1 concern

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 16.9% in tier
+ Profitability Leader: Top 31.4% in tier
+ Credit Quality Leader: Top 34.8% in tier
+ Efficiency Ratio 26.14% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$318.7M -5.5% YoY +4.3% QoQ	-$67.4M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$170.6M +15.6% YoY -3.1% QoQ	-$85.2M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$283.0M -7.8% YoY +4.4% QoQ	-$44.9M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	2.96% +5.7% YoY +4.8% QoQ	+1.70%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 2.1% in tier
Net Interest Margin ?	4.93% +6.8% YoY -2.0% QoQ	+1.00%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	Top 8.1% in tier
Efficiency Ratio ?	39.14% +4.3% YoY -2.8% QoQ	-26.14%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	Top 3.2% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.26% +25.3% YoY -7.2% QoQ	-16.38%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	53.04% -17.5% YoY -3.7% QoQ	+31.02%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 1.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.55% -1.5% YoY +4.8% QoQ	-0.28%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.05% -5.5% YoY -77.4% QoQ	-0.23%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	21%

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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 (3)

Deposit Franchise

growth

#47 of 272 • Top 16.9% 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: 53.04%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.93%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Profitability Leader

growth

#210 of 666 • Top 31.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.96%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#232 of 664 • Top 34.8% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#1 of 506 • Bottom 0.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 53.04%

Peer Median: 22.02%

#34 of 2664 Top 1.2% in $100M-$1B

Return on Assets

profitability

Value: 2.96%

Peer Median: 1.27%

#57 of 2664 Top 2.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.14%

Peer Median: 65.29%

#87 of 2664 Top 3.2% in $100M-$1B

218

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.93%

#218 of 2664 Top 8.1% in $100M-$1B

499

Loan-to-Deposit Ratio

liquidity

Value: 60.26%

Peer Median: 76.64%

#499 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (1 metrics)

2117

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2117 of 2664 Bottom 20.6% in $100M-$1B