BlastPoint's Banking Scorecard

BankWest, Inc.

$1B-$10B Specialty: Agricultural SD FDIC cert 4009

Designations: ✓ Community bank

Pierre, SD

22 branches across SD

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +10.7% year over year ($1.6B on the books).
Delinquency rate 2.79%.
Return on assets 0.69%.
Efficiency ratio 79.78% vs a 59.73% peer average.
Loan-to-deposit ratio 84.68% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in SD

View $1B-$10B leaderboard (SD) →

BankWest, Inc. has 1 strength but faces 5 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

+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 36.0% in tier
- Efficiency Ratio 20.06% above tier average
- Delinquency Rate 1.93% above tier average
- Nonperforming Asset Ratio 1.50% above tier average
- ROA 0.70% below tier average

Get updates when BankWest, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$1.9B +5.5% YoY +0.8% QoQ	-$858.6M	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$1.4B +8.2% YoY +2.7% QoQ	-$570.3M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$1.6B +10.7% YoY +0.4% QoQ	-$673.8M	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	0.69% +63.0% YoY +6.3% QoQ	-0.70%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	Bottom 13.2% in tier
Net Interest Margin ?	4.01% +8.0% YoY +1.5% QoQ	+0.14%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	79.78% -1.7% YoY +0.5% QoQ	+20.06%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	Bottom 7.1% in tier
Delinquency Rate ?	2.79% -22.5% YoY +27.8% QoQ	+1.93%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	Bottom 4.9% in tier
Loan-to-Deposit Ratio ?	84.68% -2.2% YoY +2.3% QoQ	-0.36%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	16.97% -5.1% YoY -0.4% QoQ	-4.31%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	2.17% -14.2% YoY +27.7% QoQ	+1.50%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Bottom 5.5% in tier
Tier 1 Capital Ratio ?	10.58% +4.9% YoY -0.8% QoQ	-4.26%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Bottom 11.5% in tier
Non-Interest Income / Assets ?	0.55% +0.6% YoY +94.5% QoQ	+0.02%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	83%

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 (SD)	National Avg	Tier Percentile
Noninterest-Bearing	17.0% -0.9pp YoY -0.1pp QoQ	-4.4pp	21.4%	23.5%	22.2%	34%
Brokered Deposits	5.4% -1.8pp YoY +0.1pp QoQ	-4.1pp	9.5%	8.7%	8.5%	51%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	7.0% -2.1pp YoY -1.4pp QoQ	-7.0pp	14.0%	14.1%	12.5%	28%
CRE	37.0% +2.5pp YoY +1.5pp QoQ	-13.0pp	50.0%	31.5%	41.4%	19%
1-4 Family	6.9% -0.5pp YoY -0.2pp QoQ	-19.5pp	26.4%	14.9%	31.3%	9%
Consumer	9.1% -0.7pp YoY -0.3pp QoQ	+4.4pp	4.7%	8.5%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	10.6% +0.5pp YoY -0.1pp QoQ	-5.0pp	15.6%	17.6%	19.7%	4%
Leverage Ratio	9.2% 0.0pp YoY +0.2pp QoQ	-2.1pp	11.3%	11.9%	12.6%	16%
Total Capital Ratio	11.6% +0.5pp YoY -0.1pp QoQ	-5.1pp	16.7%	18.8%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	377 +1 (+0.3%) YoY +6 (+1.6%) QoQ	+63	313	6,279	482	76%
Assets per Employee ($)	$5.1M +5.3% YoY -0.8% QoQ	-$5.4M	$10.5M	$8.1M	$8.8M	4%
Branch Count	22 0 YoY 0 QoQ	+2	20	92	18	70%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.6pp QoQ	-0.1pp	0.2%	0.2%	0.4%	77%
Nonaccrual	2.7% -0.9pp YoY +1.3pp QoQ	+1.9pp	0.8%	1.0%	1.0%	96%
Allowance Coverage	0.39x +27.3% YoY -22.6% QoQ	-18.32x	18.71x	96.54x	20.23x	4%
Net Charge-off Rate (YTD)	-0.0% -0.3pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.7%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	8.4% +3.0pp YoY +0.5pp QoQ	-4.2pp	12.6%	12.4%	11.6%	22%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.7%	1.7%	70%
Net Income ($, YTD)	$6.6M +71.8% YoY — QoQ	-$12.7M	$19.2M	$418.8M	$40.4M	20%

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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 (1)

Capital Thin

risk

#81 of 222 • Bottom 36.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.58%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

150

Non-Interest Income / Assets

revenue_mix

Value: 0.55%

Peer Median: 0.53%

#150 of 885 Top 16.8% in $1B-$10B

Top Weaknesses (5 metrics)

840

Delinquency Rate

credit_quality

Value: 2.79%

Peer Median: 0.87%

#840 of 882 Bottom 4.9% in $1B-$10B

837

Nonperforming Asset Ratio

credit_quality

Value: 2.17%

Peer Median: 0.67%

#837 of 885 Bottom 5.5% in $1B-$10B

823

Efficiency Ratio

profitability

Value: 79.78%

Peer Median: 59.73%

#823 of 885 Bottom 7.1% in $1B-$10B

784

Tier 1 Capital Ratio

capital

Value: 10.58%

Peer Median: 14.84%

#784 of 885 Bottom 11.5% in $1B-$10B

769

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.39%

#769 of 885 Bottom 13.2% in $1B-$10B