BlastPoint's Banking Scorecard
Westside State Bank
Westside, IA
6 branches across IA · NE
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 167 in IA.
- Deposits +15.7% year over year ($208.4M on the books).
- Delinquency rate 1.59%.
- Return on assets 1.21%.
- Efficiency ratio 62.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 111.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Westside State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.30% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.95% above tier average
- - ROA 0.12% below tier average
- - Delinquency Rate 0.67% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$268.7M
+9.5% YoY
+3.6% QoQ
|
-$117.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$233.2M
+12.4% YoY
+1.1% QoQ
|
-$25.1M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$208.4M
+15.7% YoY
+9.3% QoQ
|
-$118.3M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.21%
-5.0% YoY
-3.4% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.99%
+2.3% YoY
+0.6% QoQ
|
+0.01% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
62.18%
-1.3% YoY
+1.5% QoQ
|
-2.30% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
1.59%
+687.5% YoY
+14.1% QoQ
|
+0.67% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
111.90%
-2.8% YoY
-7.5% QoQ
|
+33.95% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.92%
-7.1% YoY
-5.3% QoQ
|
-4.11% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.38%
+708.8% YoY
+11.3% QoQ
|
+0.71% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.6% in tier |
| Tier 1 Capital Ratio ? |
12.29%
+18.0% YoY
+14.7% QoQ
|
-3.62% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.12%
+4.8% YoY
+65.8% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
26% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.9%
-1.4pp YoY -1.0pp QoQ |
-4.2pp | 22.1% | 17.8% | 22.2% | 36% |
| Brokered Deposits |
7.2%
+4.5pp YoY +4.3pp QoQ |
-0.6pp | 7.9% | 6.0% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.0%
-0.8pp YoY -0.5pp QoQ |
+8.5pp | 11.6% | 12.8% | 12.5% | 88% |
| CRE |
5.0%
-1.9pp YoY +0.2pp QoQ |
-34.5pp | 39.5% | 28.3% | 41.4% | 1% |
| 1-4 Family |
45.7%
+4.6pp YoY +0.6pp QoQ |
+13.1pp | 32.6% | 23.0% | 31.3% | 78% |
| Consumer |
5.3%
-0.4pp YoY -0.3pp QoQ |
+1.2pp | 4.1% | 2.9% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+1.9pp YoY +1.6pp QoQ |
-6.5pp | 18.8% | 15.4% | 19.7% | 20% |
| Leverage Ratio |
8.8%
+1.0pp YoY +0.9pp QoQ |
-3.4pp | 12.2% | 12.4% | 12.6% | 10% |
| Total Capital Ratio |
13.3%
+2.2pp YoY +1.6pp QoQ |
-6.6pp | 19.9% | 16.5% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
+5 (+17.9%) YoY +1 (+3.1%) QoQ |
-26 | 58 | 64 | 482 | 31% |
| Assets per Employee ($) |
$8.1M
-7.1% YoY +0.4% QoQ |
+$625K | $7.5M | $8.9M | $8.8M | 70% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 5 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.6%
+1.4pp YoY +0.2pp QoQ |
+1.2pp | 0.3% | 0.4% | 0.4% | 96% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 7% |
| Allowance Coverage |
0.54x
-82.2% YoY -5.7% QoQ |
-23.62x | 24.15x | 18.97x | 20.23x | 11% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
-2.3pp YoY -1.2pp QoQ |
+2.3pp | 12.2% | 12.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.6%
+0.1pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.8% | 1.7% | 92% |
| Net Income ($, YTD) |
$1.6M
+7.4% YoY — QoQ |
-$981K | $2.6M | $4.0M | $40.4M | 43% |
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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.