BlastPoint's Banking Scorecard
Western Alliance Bank
Phoenix, AZ
38 branches across NV · CA · AZ · CO · IL · NY
Western Alliance Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.70% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.82% above tier average
- - Nonperforming Asset Ratio 1.21% above tier average
- - ROA 0.55% below tier average
- - Net Interest Margin 0.29% below tier average
- - Efficiency Ratio 5.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.8B
+19.1% YoY
+6.5% QoQ
|
+$51.8B |
$47.0B
-1.9% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
Top 12.4% in tier |
| Total Loans ? |
$62.8B
+8.3% YoY
+1.6% QoQ
|
+$33.4B |
$29.4B
-0.4% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
Top 9.5% in tier |
| Total Deposits ? |
$83.2B
+19.4% YoY
+7.2% QoQ
|
+$44.8B |
$38.4B
-1.6% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
Top 11.7% in tier |
| Return on Assets ? |
0.73%
-23.3% YoY
-33.8% QoQ
|
-0.55% |
1.28%
+18.7% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.7% in tier |
| Net Interest Margin ? |
3.49%
+1.0% YoY
-2.8% QoQ
|
-0.29% |
3.77%
+5.8% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
59.37%
-8.5% YoY
-1.4% QoQ
|
+5.36% |
54.01%
-3.7% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
2.84%
+50.3% YoY
+17.0% QoQ
|
+1.82% |
1.02%
-3.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.7% in tier |
| Loan-to-Deposit Ratio ? |
75.46%
-9.3% YoY
-5.2% QoQ
|
-5.33% |
80.79%
+1.9% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
33.74%
+6.9% YoY
+7.6% QoQ
|
+13.70% |
20.04%
+0.2% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
Top 7.3% in tier |
| Nonperforming Asset Ratio ? |
1.93%
+39.5% YoY
+9.2% QoQ
|
+1.21% |
0.72%
+4.2% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.4% in tier |
| Tier 1 Capital Ratio ? |
12.07%
-3.3% YoY
-1.3% QoQ
|
-3.45% |
15.51%
-0.4% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.19%
+28.7% YoY
-72.3% QoQ
|
-0.03% |
0.22%
+0.3% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.