BlastPoint's Banking Scorecard
Western Bank
Lordsburg, NM
5 branches across NM · AZ
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 21 in NM.
- Deposits +4.1% year over year ($285.7M on the books).
- Delinquency rate 0.65%.
- Return on assets 1.94%.
- Efficiency ratio 54.03% vs a 64.48% peer average.
- Loan-to-deposit ratio 26.19% 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
- + Non-Interest-Bearing Deposit Share 26.04% above tier average
- + ROA 0.62% above tier average
- + Efficiency Ratio 10.45% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.9M
+4.5% YoY
-0.8% QoQ
|
-$60.7M |
$386.6M
+1.2% YoY
|
$566.9M
+3.2% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$74.8M
+3.8% YoY
+4.2% QoQ
|
-$183.5M |
$258.3M
+1.7% YoY
|
$317.6M
+7.5% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.5% in tier |
| Total Deposits ? |
$285.7M
+4.1% YoY
-1.2% QoQ
|
-$41.0M |
$326.7M
+0.7% YoY
|
$493.4M
+2.0% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
1.94%
+3.4% YoY
+2.4% QoQ
|
+0.62% |
1.32%
+10.8% YoY
|
1.89%
+4.0% YoY
|
1.30%
+12.1% YoY
|
Top 14.6% in tier |
| Net Interest Margin ? |
3.78%
+0.4% YoY
+1.5% QoQ
|
-0.20% |
3.99%
+5.0% YoY
|
4.43%
+1.2% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
54.03%
-2.6% YoY
-0.7% QoQ
|
-10.45% |
64.48%
-3.2% YoY
|
57.29%
+2.1% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.65%
-58.5% YoY
-11.0% QoQ
|
-0.27% |
0.92%
+15.7% YoY
|
1.04%
-16.3% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
26.19%
-0.3% YoY
+5.5% QoQ
|
-51.76% |
77.95%
+1.0% YoY
|
57.68%
+1.9% YoY
|
79.03%
+2.3% YoY
|
Top 1.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.07%
+1.6% YoY
-0.7% QoQ
|
+26.04% |
22.03%
-0.6% YoY
|
32.88%
-1.5% YoY
|
21.98%
-0.6% YoY
|
Top 2.0% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-58.8% YoY
-6.5% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.60%
-19.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
32.97%
+1.6% YoY
+1.5% QoQ
|
+17.06% |
15.91%
+1.4% YoY
|
21.71%
-4.2% YoY
|
17.09%
+0.8% YoY
|
Top 3.0% in tier |
| Non-Interest Income / Assets ? |
0.32%
+0.4% YoY
+106.5% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.46%
-9.7% YoY
|
0.66%
+5.2% YoY
|
75% |
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 (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
48.1%
+0.8pp YoY -0.3pp QoQ |
+25.9pp | 22.1% | 34.1% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
-1.6pp YoY -0.3pp QoQ |
-1.7pp | 11.6% | 20.2% | 12.5% | 52% |
| CRE |
28.4%
+3.3pp YoY +1.6pp QoQ |
-11.1pp | 39.5% | 50.8% | 41.4% | 32% |
| 1-4 Family |
14.1%
-0.1pp YoY -0.9pp QoQ |
-18.5pp | 32.6% | 20.2% | 31.3% | 18% |
| Consumer |
4.4%
-0.3pp YoY -0.1pp QoQ |
+0.3pp | 4.1% | 3.8% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
33.0%
+0.5pp YoY +0.5pp QoQ |
+14.1pp | 18.8% | 26.0% | 19.7% | 95% |
| Leverage Ratio |
12.2%
+0.2pp YoY +0.2pp QoQ |
0.0pp | 12.2% | 13.9% | 12.6% | 67% |
| Total Capital Ratio |
34.2%
+0.5pp YoY +0.5pp QoQ |
+14.3pp | 19.9% | 27.1% | 20.8% | 95% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+4 (+9.1%) YoY +1 (+2.1%) QoQ |
-11 | 58 | 75 | 482 | 50% |
| Assets per Employee ($) |
$6.8M
-4.2% YoY -2.9% QoQ |
-$729K | $7.5M | $7.6M | $8.8M | 48% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.9pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 1.1% | 1.0% | 60% |
| Allowance Coverage |
3.04x
+120.5% YoY +9.1% QoQ |
-21.11x | 24.15x | 56.44x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
-0.1%
0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.5%
+1.5pp YoY +0.3pp QoQ |
+5.3pp | 12.2% | 18.9% | 11.6% | 80% |
| Cost of Funds (YTD) |
0.5%
-0.1pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 1.0% | 1.7% | 2% |
| Net Income ($, YTD) |
$3.2M
+12.0% YoY — QoQ |
+$603K | $2.6M | $5.6M | $40.4M | 72% |
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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.