BlastPoint's Banking Scorecard
West Valley National Bank
Designations: ✓ Community bank
Goodyear, AZ
3 branches across AZ · NV
West Valley National Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Non-Interest-Bearing Deposit Share 22.95% above tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Net Interest Margin 1.01% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.20% below tier average
- - Efficiency Ratio 60.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.5M
+7.2% YoY
-2.3% QoQ
|
+$14.3M |
$62.2M
-0.6% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$64.7M
+17.3% YoY
-5.3% QoQ
|
+$30.4M |
$34.2M
-1.4% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
Top 8.5% in tier |
| Total Deposits ? |
$69.0M
+11.3% YoY
+10.0% QoQ
|
+$17.2M |
$51.7M
-0.7% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
-2.36%
-19.8% YoY
+2.7% QoQ
|
-3.20% |
0.84%
-2.3% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.3% in tier |
| Net Interest Margin ? |
4.87%
+8.5% YoY
-15.3% QoQ
|
+1.01% |
3.86%
+2.8% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
Top 13.7% in tier |
| Efficiency Ratio ? |
148.62%
+3.7% YoY
+4.7% QoQ
|
+60.27% |
88.34%
+0.3% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.37% |
1.37%
+33.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
93.77%
+5.4% YoY
-13.9% QoQ
|
+29.56% |
64.22%
-0.7% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.67%
-11.3% YoY
-4.8% QoQ
|
+22.95% |
23.71%
+0.3% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
Top 5.0% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.79% |
0.79%
+28.2% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.35%
-18.9% YoY
-6.0% QoQ
|
-14.33% |
26.68%
+2.0% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.05%
-27.7% YoY
-79.8% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
42% |
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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.
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Metric Rankings
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