BlastPoint's Banking Scorecard

Westbury Bank

$100M-$1B Specialty: Commercial WI FDIC cert 28400

Waukesha, WI

9 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Westbury Bank has 3 strengths but faces 3 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.8% in tier
- Deposit Outflow: Bottom 23.9% in tier
- ROA 0.55% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$780.2M -5.3% YoY -1.5% QoQ	+$394.1M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 9.0% in tier
Total Loans ?	$521.1M -12.6% YoY -4.2% QoQ	+$265.4M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 9.4% in tier
Total Deposits ?	$706.4M -4.0% YoY -1.5% QoQ	+$378.5M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 6.4% in tier
Return on Assets ?	0.72% -26.3% YoY -23.6% QoQ	-0.55%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	4.08% +7.0% YoY +3.3% QoQ	+0.15%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	81.10% +15.1% YoY +11.4% QoQ	+15.81%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 14.2% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	73.77% -8.9% YoY -2.7% QoQ	-2.87%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	32.62% -2.1% YoY -7.6% QoQ	+10.60%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Top 13.1% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.33% -14.2% YoY +6.2% QoQ	-3.50%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.18% +48.5% YoY -67.6% QoQ	-0.10%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	83%

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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 (2)

Efficiency Drag

risk

#25 of 414 • Bottom 5.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.10%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Deposit Outflow

decline

#122 of 506 • Bottom 23.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 (7 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

172

Total Deposits

size

Value: $706.43M

Peer Median: $327.97M

#172 of 2664 Top 6.4% in $100M-$1B

242

Total Assets

size

Value: $780.21M

Peer Median: $386.08M

#242 of 2664 Top 9.0% in $100M-$1B

252

Total Loans

size

Value: $521.14M

Peer Median: $255.72M

#252 of 2664 Top 9.4% in $100M-$1B

351

Non-Interest-Bearing Deposit Share

funding

Value: 32.62%

Peer Median: 22.02%

#351 of 2664 Top 13.1% in $100M-$1B

457

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#457 of 2664 Top 17.1% in $100M-$1B

Top Weaknesses (2 metrics)

2286

Efficiency Ratio

profitability

Value: 81.10%

Peer Median: 65.29%

#2286 of 2664 Bottom 14.2% in $100M-$1B

2083

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.27%

#2083 of 2664 Bottom 21.8% in $100M-$1B