BlastPoint's Banking Scorecard
West Bank
Community
Specialty: Commercial
IA
FDIC cert 15614
West Des Moines, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
West Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.1B
+3.2% YoY
+3.9% QoQ
|
+$2.8B |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.0B
-0.1% YoY
-0.3% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.5B
+3.4% YoY
+4.9% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.94%
+25.0% YoY
-3.1% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
2.53%
+18.9% YoY
+2.0% QoQ
|
-1.14% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
50.46%
-12.8% YoY
-2.4% QoQ
|
-12.17% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
85.51%
-3.4% YoY
-4.9% QoQ
|
+2.45% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
15.73%
-3.0% YoY
+0.3% QoQ
|
-5.32% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.44%
+4.0% YoY
+1.5% QoQ
|
+2.19% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
+3.2% YoY
+37.5% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.53%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
97
97th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
83
83th pctile
Efficiency Ratio
Current: 50.46% · Tier avg: 62.63%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.51% · Tier avg: 83.06%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.73% · Tier avg: 21.05%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.66%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.73% · Tier avg: 21.05%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.51% · Tier avg: 83.06%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
83
83th pctile
Efficiency Ratio
Current: 50.46% · Tier avg: 62.63%
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%