BlastPoint's Banking Scorecard

Bank of the West

$100M-$1B Specialty: Commercial TX FDIC cert 26627

Grapevine, TX

11 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Bank of the West demonstrates 5 strengths

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

+ Non-Interest-Bearing Deposit Share 16.40% above tier average
+ ROA 0.31% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 3.37% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$803.8M +1.2% YoY -3.1% QoQ	+$417.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 8.0% in tier
Total Loans ?	$492.4M +0.2% YoY -2.2% QoQ	+$236.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 11.8% in tier
Total Deposits ?	$720.7M +0.2% YoY -3.7% QoQ	+$392.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 5.5% in tier
Return on Assets ?	1.58% +2.2% YoY -7.1% QoQ	+0.31%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	4.27% -0.7% YoY -4.3% QoQ	+0.34%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	61.92% -1.2% YoY +1.2% QoQ	-3.37%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.14% -82.1% YoY	-0.75%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	68.32% -0.0% YoY +1.5% QoQ	-8.32%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	38.42% -2.4% YoY +1.7% QoQ	+16.40%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 6.1% in tier
Nonperforming Asset Ratio ?	0.08% -82.3% YoY	-0.55%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	15.36% +6.8% YoY +1.5% QoQ	-0.47%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.08% -2.7% YoY -74.9% QoQ	-0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	42%

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$250B+

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

148

Total Deposits

size

Value: $720.69M

Peer Median: $327.97M

#148 of 2664 Top 5.5% in $100M-$1B

163

Non-Interest-Bearing Deposit Share

funding

Value: 38.42%

Peer Median: 22.02%

#163 of 2664 Top 6.1% in $100M-$1B

213

Total Assets

size

Value: $803.81M

Peer Median: $386.08M

#213 of 2664 Top 8.0% in $100M-$1B

315

Total Loans

size

Value: $492.39M

Peer Median: $255.72M

#315 of 2664 Top 11.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available