BlastPoint's Banking Scorecard
Western Bank
Lubbock, TX
10 branches across TX
Western Bank shows strong momentum with 4 strengths and 14.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32.4% in tier
- + Net Interest Margin 1.22% above tier average
- + Delinquency Rate 0.89% below tier average
- + Efficiency Ratio 4.69% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$944.0M
+14.0% YoY
+11.7% QoQ
|
+$557.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 1.9% in tier |
| Total Loans ? |
$727.8M
+9.6% YoY
+7.6% QoQ
|
+$472.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 1.5% in tier |
| Total Deposits ? |
$834.4M
+12.1% YoY
+14.4% QoQ
|
+$506.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 1.1% in tier |
| Return on Assets ? |
2.02%
+25.7% YoY
+14.9% QoQ
|
+0.75% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 11.8% in tier |
| Net Interest Margin ? |
5.15%
+5.8% YoY
-0.4% QoQ
|
+1.22% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 5.3% in tier |
| Efficiency Ratio ? |
60.60%
-8.2% YoY
-5.7% QoQ
|
-4.69% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
87.23%
-2.3% YoY
-6.0% QoQ
|
+10.60% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
21.75%
+4.8% YoY
-10.9% QoQ
|
-0.27% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.72%
-17.7% YoY
-61.4% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
9.31%
+2.5% YoY
+0.2% QoQ
|
-6.52% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
+26.2% YoY
-82.3% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
49% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.