BlastPoint's Banking Scorecard
West Texas National Bank
Designations: ✓ Community bank
Midland, TX
13 branches across TX
West Texas National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.05% below tier average
- + Efficiency Ratio 14.64% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.1% in tier
- - Delinquency Rate 1.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-3.3% YoY
-1.1% QoQ
|
-$34.1M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$1.5B
+10.9% YoY
-0.4% QoQ
|
-$455.1M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$2.5B
-4.8% YoY
-1.2% QoQ
|
+$125.5M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.05%
-38.0% YoY
-42.8% QoQ
|
-0.32% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.82%
+8.3% YoY
-2.7% QoQ
|
+0.00% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
46.42%
+4.7% YoY
+11.5% QoQ
|
-14.64% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 13.3% in tier |
| Delinquency Rate ? |
2.04%
+6.0% YoY
+61.6% QoQ
|
+1.15% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.3% in tier |
| Loan-to-Deposit Ratio ? |
61.15%
+16.4% YoY
+0.9% QoQ
|
-23.05% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.25%
+13.8% YoY
-4.1% QoQ
|
+9.96% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 13.5% in tier |
| Nonperforming Asset Ratio ? |
1.30%
+34.7% YoY
+50.7% QoQ
|
+0.63% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.6% in tier |
| Tier 1 Capital Ratio ? |
15.80%
+2.2% YoY
+3.4% QoQ
|
+0.64% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.06%
+12.5% YoY
-73.6% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.8% in tier |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.