BlastPoint's Banking Scorecard
West Texas State Bank
Snyder, TX
6 branches across TX
West Texas State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.57% above tier average
- + Efficiency Ratio 11.33% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 18.2% in tier
- - Nonperforming Asset Ratio 1.29% above tier average
- - Delinquency Rate 0.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$407.2M
+31.1% YoY
+6.9% QoQ
|
+$21.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$259.9M
+21.8% YoY
+6.9% QoQ
|
+$4.2M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$359.8M
+31.8% YoY
+7.4% QoQ
|
+$31.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.90%
-28.9% YoY
-20.0% QoQ
|
+0.63% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
85% |
| Net Interest Margin ? |
4.50%
-11.1% YoY
-10.3% QoQ
|
+0.57% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
53.96%
+16.0% YoY
+16.1% QoQ
|
-11.33% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
1.62%
+855.2% QoQ
|
+0.73% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
72.23%
-7.6% YoY
-0.5% QoQ
|
-4.41% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
26.52%
-8.8% YoY
-2.5% QoQ
|
+4.50% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.93%
+64.7% YoY
+93.0% QoQ
|
+1.29% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.5% in tier |
| Tier 1 Capital Ratio ? |
10.55%
-8.9% YoY
-3.9% QoQ
|
-5.28% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.09%
-4.3% YoY
-69.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.