BlastPoint's Banking Scorecard
The Bank of the West
Thomas, OK
4 branches across OK
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 106 in OK.
- Deposits +10.7% year over year ($171.2M on the books).
- Delinquency rate 2.26%.
- Return on assets 2.05%.
- Efficiency ratio 56.15% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.46% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of the West has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 0.70% above tier average
- + Efficiency Ratio 8.33% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.4M
+8.3% YoY
+4.3% QoQ
|
-$194.2M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$132.6M
+1.1% YoY
-7.6% QoQ
|
-$125.7M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$171.2M
+10.7% YoY
+4.7% QoQ
|
-$155.5M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
2.05%
-14.4% YoY
-6.1% QoQ
|
+0.73% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 12.2% in tier |
| Net Interest Margin ? |
4.69%
-8.2% YoY
-3.1% QoQ
|
+0.70% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 14.7% in tier |
| Efficiency Ratio ? |
56.15%
+6.3% YoY
+2.6% QoQ
|
-8.33% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
2.26%
+319.0% YoY
+8.3% QoQ
|
+1.34% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.7% in tier |
| Loan-to-Deposit Ratio ? |
77.46%
-8.7% YoY
-11.8% QoQ
|
-0.50% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
24.38%
+5.5% YoY
+3.9% QoQ
|
+2.35% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
1.56%
+291.4% YoY
-4.1% QoQ
|
+0.89% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.4% in tier |
| Tier 1 Capital Ratio ? |
12.72%
-8.9% YoY
+6.3% QoQ
|
-3.19% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.11%
-5.9% YoY
+96.3% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
23% |
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.4%
+1.3pp YoY +0.9pp QoQ |
+2.2pp | 22.1% | 23.9% | 22.2% | 64% |
| Brokered Deposits |
0.3%
0.0pp QoQ |
-7.6pp | 7.9% | 9.7% | 8.5% | 9% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.9%
-1.4pp YoY +1.1pp QoQ |
+0.3pp | 11.6% | 15.7% | 12.5% | 63% |
| CRE | n/a | n/a | 39.5% | 42.0% | 41.4% | n/a |
| 1-4 Family |
3.4%
-0.1pp YoY +0.2pp QoQ |
-29.3pp | 32.6% | 24.0% | 31.3% | 3% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 5.6% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
-1.2pp YoY +0.8pp QoQ |
-6.1pp | 18.8% | 17.0% | 19.7% | 24% |
| Leverage Ratio |
10.5%
-1.9pp YoY -0.5pp QoQ |
-1.7pp | 12.2% | 11.7% | 12.6% | 41% |
| Total Capital Ratio |
14.0%
-1.2pp YoY +0.8pp QoQ |
-6.0pp | 19.9% | 18.2% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
-2 (-6.5%) YoY -1 (-3.3%) QoQ |
-30 | 58 | 150 | 482 | 25% |
| Assets per Employee ($) |
$6.6M
+15.7% YoY +7.9% QoQ |
-$885K | $7.5M | $6.5M | $8.8M | 45% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
2.3%
+1.7pp YoY +0.2pp QoQ |
+1.3pp | 0.9% | 1.5% | 1.0% | 90% |
| Allowance Coverage |
0.79x
-76.4% YoY 0.0% QoQ |
-23.37x | 24.15x | 61.99x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.4%
-0.9pp YoY -0.4pp QoQ |
+6.2pp | 12.2% | 11.9% | 11.6% | 83% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 75% |
| Net Income ($, YTD) |
$1.9M
-9.8% YoY — QoQ |
-$669K | $2.6M | $8.7M | $40.4M | 50% |
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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.