BlastPoint's Banking Scorecard
Western State Bank
Designations: ✓ Community bank
Devils Lake, ND
10 branches across AZ · ND
Western State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 20.8% in tier
- + Net Interest Margin 1.36% above tier average
- + Efficiency Ratio 13.68% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+5.9% YoY
+1.1% QoQ
|
-$230.4M |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$2.2B
+3.6% YoY
-0.4% QoQ
|
+$195.1M |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$2.2B
+4.0% YoY
+0.9% QoQ
|
-$129.2M |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.98%
+38.0% YoY
+11.0% QoQ
|
+0.62% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
Top 10.5% in tier |
| Net Interest Margin ? |
5.18%
+8.0% YoY
+0.9% QoQ
|
+1.36% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Top 4.5% in tier |
| Efficiency Ratio ? |
47.38%
-1.6% YoY
+1.0% QoQ
|
-13.68% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
Top 14.9% in tier |
| Delinquency Rate ? |
0.87%
-20.1% YoY
-43.2% QoQ
|
-0.02% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
97.55%
-0.4% YoY
-1.3% QoQ
|
+13.35% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
19.60%
+154.5% YoY
-0.1% QoQ
|
-1.69% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.72%
-21.8% YoY
-44.0% QoQ
|
+0.05% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
14.28%
+12.0% YoY
+4.3% QoQ
|
-0.88% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.11%
+6.1% YoY
-71.2% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
37% |
Get Full Access to Western State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.