BlastPoint's Banking Scorecard

West Texas State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 16866

Snyder, TX

6 branches across TX

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 219 in TX.
Deposits +28.5% year over year ($396.5M on the books).
Delinquency rate 1.80%.
Return on assets 1.81%.
Efficiency ratio 51.38% vs a 64.48% peer average.
Loan-to-deposit ratio 75.23% 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 219 in TX

View $100M-$1B leaderboard (TX) →

West Texas State 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

+ ROA 0.49% above tier average
+ Net Interest Margin 0.69% above tier average
+ Efficiency Ratio 13.10% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 13.0% in tier
- Nonperforming Asset Ratio 1.26% above tier average
- Delinquency Rate 0.88% above tier average

Get updates when West Texas State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$443.7M +27.4% YoY +9.0% QoQ	+$57.1M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$298.3M +26.7% YoY +14.8% QoQ	+$39.9M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$396.5M +28.5% YoY +10.2% QoQ	+$69.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.81% -24.2% YoY -4.9% QoQ	+0.49%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	4.67% -8.3% YoY +3.9% QoQ	+0.69%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	85%
Efficiency Ratio ?	51.38% +13.8% YoY -4.8% QoQ	-13.10%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	1.80% +6.9% YoY +11.2% QoQ	+0.88%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 14.8% in tier
Loan-to-Deposit Ratio ?	75.23% -1.4% YoY +4.2% QoQ	-2.73%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	25.65% -11.5% YoY -3.3% QoQ	+3.62%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	1.93% -11.1% YoY +0.0% QoQ	+1.26%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 7.9% in tier
Tier 1 Capital Ratio ?	10.49% -5.4% YoY -0.7% QoQ	-5.42%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.11% -39.1% YoY +18.8% QoQ	-0.46%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	22%

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	25.6% -3.3pp YoY -0.9pp QoQ	+3.5pp	22.1%	29.2%	22.2%	68%
Brokered Deposits	5.3% -4.7pp YoY -2.7pp QoQ	-2.5pp	7.9%	8.0%	8.5%	54%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	48.4% -1.6pp YoY -3.4pp QoQ	+36.8pp	11.6%	14.8%	12.5%	99%
CRE	42.3% +3.3pp YoY +3.4pp QoQ	+2.8pp	39.5%	48.4%	41.4%	58%
1-4 Family	5.0% -1.1pp YoY -0.7pp QoQ	-27.6pp	32.6%	25.8%	31.3%	5%
Consumer	0.6% 0.0pp YoY -0.2pp QoQ	-3.6pp	4.1%	4.7%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.5% -0.6pp YoY -0.1pp QoQ	-1.7pp	12.2%	12.6%	12.6%	41%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	66 +5 (+8.2%) YoY +8 (+13.8%) QoQ	+7	58	186	482	68%
Assets per Employee ($)	$6.7M +17.8% YoY -4.2% QoQ	-$795K	$7.5M	$10.1M	$8.8M	47%
Branch Count	6 +2 (+50.0%) YoY 0 QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.2pp	0.3%	0.3%	0.4%	53%
Nonaccrual	1.7% 0.0pp YoY +0.1pp QoQ	+0.8pp	0.9%	1.0%	1.0%	84%
Allowance Coverage	0.82x -9.7% YoY -8.2% QoQ	-23.33x	24.15x	18.82x	20.23x	21%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	17.0% -4.8pp YoY -0.4pp QoQ	+4.8pp	12.2%	13.2%	11.6%	77%
Cost of Funds (YTD)	2.4% 0.0pp YoY -0.1pp QoQ	+0.7pp	1.7%	1.6%	1.7%	87%
Net Income ($, YTD)	$3.7M -4.6% YoY — QoQ	+$1.2M	$2.6M	$15.9M	$40.4M	78%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Cost Spiral

risk

#19 of 138 • Bottom 13.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 51.38%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

400

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.99%

#400 of 2643 Top 15.1% in $100M-$1B

521

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.32%

#521 of 2643 Top 19.7% in $100M-$1B

521

Efficiency Ratio

profitability

Value: 51.38%

Peer Median: 64.48%

#521 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (4 metrics)

2435

Nonperforming Asset Ratio

credit_quality

Value: 1.93%

Peer Median: 0.67%

#2435 of 2643 Bottom 7.9% in $100M-$1B

2245

Delinquency Rate

credit_quality

Value: 1.80%

Peer Median: 0.92%

#2245 of 2633 Bottom 14.8% in $100M-$1B

2205

Tier 1 Capital Ratio

capital

Value: 10.49%

Peer Median: 15.91%

#2205 of 2643 Bottom 16.6% in $100M-$1B

2074

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2074 of 2643 Bottom 21.6% in $100M-$1B