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Bank of the West

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

Grapevine, TX

10 branches across TX

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 219 in TX.
  • Deposits +8.8% year over year ($747.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.60%.
  • Efficiency ratio 61.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Bank of the West shows strong momentum with 6 strengths and 8.9% YoY asset growth

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 39.3% in tier
  • + Non-Interest-Bearing Deposit Share 16.03% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.28% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Efficiency Ratio 2.54% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of the West releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $829.8M
+8.9% YoY +3.2% QoQ
+$443.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 6.6% in tier
Total Loans ? $498.0M
-2.1% YoY +1.1% QoQ
+$239.6M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 11.4% in tier
Total Deposits ? $747.1M
+8.8% YoY +3.7% QoQ
+$420.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 4.5% in tier
Return on Assets ? 1.60%
-6.8% YoY +1.6% QoQ
+0.28% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.29%
-3.6% YoY +0.4% QoQ
+0.30% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 61.94%
+3.3% YoY +0.0% QoQ
-2.54% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.00%
-100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 66.65%
-10.0% YoY -2.4% QoQ
-11.30% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 38.06%
-6.9% YoY -0.9% QoQ
+16.03% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 6.1% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.31%
+6.8% YoY -0.3% QoQ
-0.60% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.17%
+0.1% YoY +101.4% QoQ
-0.40% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
40%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 38.1%
-2.8pp YoY
-0.4pp QoQ
 +15.9pp 22.1% 29.2% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 7.7%
-1.6pp YoY
-0.5pp QoQ
 -3.8pp 11.6% 14.8% 12.5% 38%
CRE 65.2%
+1.1pp YoY
+1.3pp QoQ
 +25.6pp 39.5% 48.4% 41.4% 90%
1-4 Family 22.1%
+0.5pp YoY
-0.1pp QoQ
 -10.5pp 32.6% 25.8% 31.3% 35%
Consumer 0.5%
-0.1pp YoY
-0.1pp QoQ
 -3.6pp 4.1% 4.7% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.3%
+1.0pp YoY
0.0pp QoQ
 -3.5pp 18.8% 22.7% 19.7% 52%
Leverage Ratio 9.7%
+0.3pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 12.6% 12.6% 24%
Total Capital Ratio 16.5%
+1.1pp YoY
0.0pp QoQ
 -3.4pp 19.9% 23.8% 20.8% 53%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 121
+7 (+6.1%) YoY
+1 (+0.8%) QoQ
 +62 58 186 482 93%
Assets per Employee ($) $6.9M
+2.6% YoY
+2.4% QoQ
 -$661K $7.5M $10.1M $8.8M 49%
Branch Count 10
0 YoY
0 QoQ
 +5 4 12 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 17.3%
-2.4pp YoY
+0.2pp QoQ
 +5.1pp 12.2% 13.2% 11.6% 79%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 41%
Net Income ($, YTD) $6.6M
-2.7% YoY
— QoQ
 +$4.0M $2.6M $15.9M $40.4M 94%

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 (1)

Credit Quality Leader

growth
#260 of 659 • Top 39.3% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
121
Total Deposits
size
Value: $747.07M
Peer Median: $326.73M
#121 of 2643 Top 4.5% in $100M-$1B
162
Non-Interest-Bearing Deposit Share
funding
Value: 38.06%
Peer Median: 22.03%
#162 of 2643 Top 6.1% in $100M-$1B
176
Total Assets
size
Value: $829.75M
Peer Median: $386.57M
#176 of 2643 Top 6.6% in $100M-$1B
302
Total Loans
size
Value: $497.95M
Peer Median: $258.35M
#302 of 2643 Top 11.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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