BlastPoint's Banking Scorecard

Western Alliance Bank

$10B-$250B Specialty: Commercial AZ FDIC cert 57512

Phoenix, AZ

38 branches across NV · CA · AZ · CO · IL · NY

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 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in AZ.
Deposits +15.3% year over year ($82.3B on the books).
Delinquency rate 2.84%.
Return on assets 1.16%.
Efficiency ratio 55.67% vs a 53.67% peer average.
Loan-to-deposit ratio 79.06% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 2 in AZ

View $10B-$250B leaderboard (AZ) →

Western Alliance Bank 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

+ Non-Interest-Bearing Deposit Share 13.21% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.83% above tier average
- Nonperforming Asset Ratio 1.28% above tier average
- ROA 0.23% below tier average
- Net Interest Margin 0.40% below tier average
- Efficiency Ratio 2.00% above tier average

Get updates when Western Alliance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Total Assets ?	$98.6B +13.8% YoY -0.2% QoQ	+$55.0B	$43.6B -13.8% YoY	$17.4B +6.1% YoY	$6.3B +7.7% YoY	Top 10.8% in tier
Total Loans ?	$65.1B +10.4% YoY +3.6% QoQ	+$37.1B	$28.0B -8.6% YoY	$9.3B +8.2% YoY	$3.2B +9.4% YoY	Top 8.6% in tier
Total Deposits ?	$82.3B +15.3% YoY -1.1% QoQ	+$46.9B	$35.4B -14.0% YoY	$14.8B +6.2% YoY	$4.9B +7.3% YoY	Top 10.1% in tier
Return on Assets ?	1.16% +11.9% YoY +59.1% QoQ	-0.23%	1.39% +25.9% YoY	0.35% +477.8% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	3.52% +0.1% YoY +0.9% QoQ	-0.40%	3.92% +8.9% YoY	3.96% +2.3% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	55.67% -10.7% YoY -6.2% QoQ	+2.00%	53.67% -1.9% YoY	81.56% -13.3% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	2.84% +47.3% YoY +0.0% QoQ	+1.83%	1.01% -2.8% YoY	1.46% +76.6% YoY	0.98% +16.3% YoY	Bottom 3.6% in tier
Loan-to-Deposit Ratio ?	79.06% -4.2% YoY +4.8% QoQ	-3.55%	82.61% +3.1% YoY	84.92% +5.8% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	33.79% +4.9% YoY +0.2% QoQ	+13.21%	20.58% +4.9% YoY	24.29% +4.4% YoY	21.98% -0.6% YoY	Top 8.6% in tier
Nonperforming Asset Ratio ?	2.01% +28.4% YoY +4.0% QoQ	+1.28%	0.73% +5.8% YoY	1.10% +71.6% YoY	0.69% +15.8% YoY	Bottom 3.6% in tier
Tier 1 Capital Ratio ?	12.03% -5.3% YoY -0.3% QoQ	-3.32%	15.35% -0.4% YoY	14.82% -13.7% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.60% +104.7% YoY +217.3% QoQ	+0.11%	0.50% +10.5% YoY	0.29% -0.6% YoY	0.66% +5.2% YoY	79%

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 (AZ)	National Avg	Tier Percentile
Noninterest-Bearing	33.8% +1.6pp YoY +0.1pp QoQ	+12.8pp	21.0%	24.3%	22.2%	90%
Brokered Deposits	18.8% -7.6pp YoY +0.7pp QoQ	+9.5pp	9.2%	7.6%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
C&I	18.5% +1.6pp YoY +0.4pp QoQ	+1.3pp	17.2%	20.4%	12.5%	63%
CRE	24.2% -3.4pp YoY -0.9pp QoQ	-17.8pp	42.0%	53.9%	41.4%	18%
1-4 Family	30.2% -0.1pp YoY +0.2pp QoQ	+7.1pp	23.1%	22.4%	31.3%	75%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-12.9pp	12.9%	11.3%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
CET1 Ratio	11.6% -0.6pp YoY 0.0pp QoQ	-3.7pp	15.3%	16.6%	19.7%	12%
Leverage Ratio	8.1% -0.5pp YoY 0.0pp QoQ	-2.3pp	10.4%	11.4%	12.6%	9%
Total Capital Ratio	13.5% 0.0pp YoY -0.1pp QoQ	-3.1pp	16.5%	17.8%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Full-Time Employees	4,084 +402 (+10.9%) YoY +114 (+2.9%) QoQ	+826	3,258	1,366	482	77%
Assets per Employee ($)	$24.1M +2.6% YoY -3.0% QoQ	-$2.9M	$27.0M	$9.6M	$8.8M	79%
Branch Count	38 +1 (+2.7%) YoY 0 QoQ	-100	137	6	18	34%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Past Due 90+ Days	2.0% +0.8pp YoY -0.1pp QoQ	+1.6pp	0.4%	1.2%	0.4%	95%
Nonaccrual	0.9% +0.1pp YoY +0.1pp QoQ	+0.1pp	0.7%	1.5%	1.0%	71%
Allowance Coverage	0.26x -24.1% YoY +2.0% QoQ	-2.55x	2.81x	2.94x	20.23x	2%
Net Charge-off Rate (YTD)	0.8% +0.6pp YoY -0.5pp QoQ	+0.4pp	0.4%	0.6%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
ROE	14.4% +2.2pp YoY +5.4pp QoQ	+1.7pp	12.6%	4.1%	11.6%	73%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	-0.1pp	2.0%	1.9%	1.7%	54%
Net Income ($, YTD)	$561.9M +29.6% YoY — QoQ	+$265.1M	$296.8M	$88.2M	$40.4M	89%

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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 (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).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (5 metrics)

Total Loans

size

Value: $65.09B

Peer Median: $27.97B

#13 of 139 Top 8.6% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 33.79%

Peer Median: 20.58%

#13 of 139 Top 8.6% in $10B-$250B

Total Deposits

size

Value: $82.32B

Peer Median: $35.42B

#15 of 139 Top 10.1% in $10B-$250B

Total Assets

size

Value: $98.57B

Peer Median: $43.60B

#16 of 139 Top 10.8% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.60%

Peer Median: 0.50%

#30 of 139 Top 20.9% in $10B-$250B

Top Weaknesses (3 metrics)

135

Nonperforming Asset Ratio

credit_quality

Value: 2.01%

Peer Median: 0.73%

#135 of 139 Bottom 3.6% in $10B-$250B

134

Delinquency Rate

credit_quality

Value: 2.84%

Peer Median: 1.01%

#134 of 138 Bottom 3.6% in $10B-$250B

108

Tier 1 Capital Ratio

capital

Value: 12.03%

Peer Median: 15.35%

#108 of 139 Bottom 23.0% in $10B-$250B