BlastPoint's Banking Scorecard
Western Bank
Lubbock, TX
10 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 +11.0% year over year ($796.9M on the books).
- Delinquency rate 0.31%.
- Return on assets 1.84%.
- Efficiency ratio 62.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 95.80% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Western Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.30% above tier average
- + ROA 0.52% above tier average
- + Efficiency Ratio 1.61% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$947.2M
+16.8% YoY
+0.3% QoQ
|
+$560.6M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 1.9% in tier |
| Total Loans ? |
$763.4M
+18.2% YoY
+4.9% QoQ
|
+$505.1M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 0.8% in tier |
| Total Deposits ? |
$796.9M
+11.0% YoY
-4.5% QoQ
|
+$470.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 2.4% in tier |
| Return on Assets ? |
1.84%
+1.5% YoY
-9.0% QoQ
|
+0.52% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
5.28%
+5.1% YoY
+2.5% QoQ
|
+1.30% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 4.6% in tier |
| Efficiency Ratio ? |
62.87%
-2.7% YoY
+3.8% QoQ
|
-1.61% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.31%
+10.6% YoY
|
-0.61% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
95.80%
+6.5% YoY
+9.8% QoQ
|
+17.85% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
21.57%
-0.6% YoY
-0.8% QoQ
|
-0.46% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.97%
-8.8% YoY
+34.3% QoQ
|
+0.30% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
9.77%
+3.8% YoY
+4.9% QoQ
|
-6.14% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.9% in tier |
| Non-Interest Income / Assets ? |
0.19%
-30.2% YoY
+101.2% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.6%
-0.1pp YoY -0.2pp QoQ |
-0.6pp | 22.1% | 29.2% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.2%
+1.3pp YoY -0.7pp QoQ |
+11.7pp | 11.6% | 14.8% | 12.5% | 92% |
| CRE |
42.3%
+0.2pp YoY +0.6pp QoQ |
+2.7pp | 39.5% | 48.4% | 41.4% | 57% |
| 1-4 Family |
17.7%
+0.1pp YoY +0.6pp QoQ |
-15.0pp | 32.6% | 25.8% | 31.3% | 25% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 4.7% | 5.0% | 8% |
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 |
9.8%
+0.4pp YoY +0.5pp QoQ |
-2.4pp | 12.2% | 12.6% | 12.6% | 26% |
| 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 |
139
-1 (-0.7%) YoY +2 (+1.5%) QoQ |
+80 | 58 | 186 | 482 | 96% |
| Assets per Employee ($) |
$6.8M
+17.6% YoY -1.1% QoQ |
-$704K | $7.5M | $10.1M | $8.8M | 49% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 12 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
0.0pp YoY |
0.0pp | 0.3% | 0.3% | 0.4% | 75% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
3.96x
-12.1% YoY |
-20.19x | 24.15x | 18.82x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.7%
-0.9pp YoY -2.7pp QoQ |
+9.5pp | 12.2% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 55% |
| Net Income ($, YTD) |
$8.4M
+14.2% YoY — QoQ |
+$5.8M | $2.6M | $15.9M | $40.4M | 98% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.