BlastPoint's Banking Scorecard

West Gate Bank

$1B-$10B Specialty: Commercial NE FDIC cert 19850

Designations: ✓ Community bank

Lincoln, NE

10 branches across NE

884 banks in the $1B-$10B peer group nationally 21 in NE

West Gate Bank has 2 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

+ Credit Quality Leader: Top 25.9% in tier
+ Revenue Diversifier: Top 45.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.1% in tier
- ROA 0.63% below tier average
- Net Interest Margin 0.36% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.4B +14.3% YoY +2.9% QoQ	-$1.4B	$2.8B -0.1% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$1.0B +13.6% YoY +5.4% QoQ	-$931.1M	$2.0B +0.6% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$1.2B +13.1% YoY +2.0% QoQ	-$1.1B	$2.3B -0.3% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	0.73% -18.9% YoY -21.8% QoQ	-0.63%	1.37% +19.6% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.46% +6.6% YoY +2.0% QoQ	-0.36%	3.82% +6.9% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	80.74% +8.7% YoY +6.0% QoQ	+19.68%	61.06% -4.6% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Bottom 7.8% in tier
Delinquency Rate ?	0.17% -9.6% YoY -42.9% QoQ	-0.72%	0.89% +14.1% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	86.07% +0.4% YoY +3.3% QoQ	+1.87%	84.20% +0.3% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	20.89% -9.3% YoY -6.3% QoQ	-0.40%	21.29% -2.5% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.12% -10.2% YoY -41.6% QoQ	-0.55%	0.67% +15.6% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	11.28% -5.6% YoY -2.0% QoQ	-3.88%	15.16% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.41% +27.0% YoY -73.4% QoQ	+0.15%	0.26% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 8.4% in tier

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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 (2)

Credit Quality Leader

growth

#58 of 220 • Top 25.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ

Revenue Diversifier

growth

#101 of 221 • Top 45.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.41%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.73%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#7 of 74 • Bottom 8.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.74%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.26%

#75 of 884 Top 8.4% in $1B-$10B

156

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#156 of 884 Top 17.5% in $1B-$10B

162

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.89%

#162 of 880 Top 18.3% in $1B-$10B

Top Weaknesses (3 metrics)

816

Efficiency Ratio

profitability

Value: 80.74%

Peer Median: 61.06%

#816 of 884 Bottom 7.8% in $1B-$10B

723

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.37%

#723 of 884 Bottom 18.3% in $1B-$10B

705

Tier 1 Capital Ratio

capital

Value: 11.28%

Peer Median: 15.16%

#705 of 884 Bottom 20.4% in $1B-$10B