BlastPoint's Banking Scorecard

West View Savings Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 27760

Pittsburgh, PA

5 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

West View Savings Bank has 3 strengths but faces 4 concerns

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 43.4% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 10.59% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 36.3% in tier
- Net Interest Margin 1.90% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.61% below tier average

Get updates when West View Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$365.2M +3.6% YoY +0.7% QoQ	-$20.9M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$92.0M +13.0% YoY +2.2% QoQ	-$163.7M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$130.9M -0.0% YoY -27.7% QoQ	-$197.1M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	0.66% +37.1% YoY +28.2% QoQ	-0.61%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	2.03% +14.7% YoY +11.9% QoQ	-1.90%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 0.9% in tier
Efficiency Ratio ?	54.70% -11.6% YoY -10.1% QoQ	-10.59%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	70.31% +13.0% YoY +41.3% QoQ	-6.33%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	66%
Non-Interest-Bearing Deposit Share ?	16.96% -7.3% YoY +39.5% QoQ	-5.06%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	22.92% -25.0% YoY -6.0% QoQ	+7.09%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 8.6% in tier
Non-Interest Income / Assets ?	0.02% -5.8% YoY -76.4% QoQ	-0.26%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 5.1% in tier

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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 (1)

Credit Quality Leader

growth

#289 of 664 • Top 43.4% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#269 of 739 • Bottom 36.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.92%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 70.31%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

230

Tier 1 Capital Ratio

capital

Value: 22.92%

Peer Median: 15.83%

#230 of 2664 Top 8.6% in $100M-$1B

Top Weaknesses (5 metrics)

2641

Net Interest Margin

profitability

Value: 2.03%

Peer Median: 3.93%

#2641 of 2664 Bottom 0.9% in $100M-$1B

2528

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2528 of 2664 Bottom 5.1% in $100M-$1B

2250

Total Deposits

size

Value: $130.87M

Peer Median: $327.97M

#2250 of 2664 Bottom 15.6% in $100M-$1B

2223

Total Loans

size

Value: $92.02M

Peer Median: $255.72M

#2223 of 2664 Bottom 16.6% in $100M-$1B

2153

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.27%

#2153 of 2664 Bottom 19.2% in $100M-$1B