BlastPoint's Banking Scorecard
Westside State Bank
Westside, IA
6 branches across IA · NE
Westside State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.00% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 44.38% above tier average
- - Delinquency Rate 0.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.4M
+14.4% YoY
+1.7% QoQ
|
-$126.7M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$230.8M
+17.8% YoY
+2.3% QoQ
|
-$24.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$190.7M
+9.7% YoY
+1.4% QoQ
|
-$137.3M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
1.25%
+3.0% YoY
-3.0% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.97%
+0.8% YoY
+0.3% QoQ
|
+0.04% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
61.28%
-6.8% YoY
+2.2% QoQ
|
-4.00% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
1.39%
+654.4% QoQ
|
+0.50% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
121.01%
+7.4% YoY
+0.8% QoQ
|
+44.38% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.91%
-7.8% YoY
-1.4% QoQ
|
-3.11% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.24%
+658.6% QoQ
|
+0.60% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
10.71%
+3.9% YoY
+1.1% QoQ
|
-5.12% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.07%
-1.8% YoY
-67.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.