BlastPoint's Banking Scorecard
Western Bank
Micro
Specialty: Commercial
NM
FDIC cert 16720
Designations: ✓ Community bank
Artesia, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Western Bank demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.74% above tier
- + Net Interest Margin 1.18% above tier
- + Efficiency Ratio 27.46% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 32.67% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.5M
-17.3% YoY
+1.9% QoQ
|
+$88.0M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$176.0M
+20.7% YoY
+1.5% QoQ
|
+$36.8M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$271.2M
-20.5% YoY
+2.1% QoQ
|
+$87.5M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
2.83%
-11.5% YoY
-7.0% QoQ
|
+1.74% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.03%
+0.1% YoY
-0.1% QoQ
|
+1.18% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
40.27%
+16.5% YoY
+12.8% QoQ
|
-27.46% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
64.90%
+51.8% YoY
-0.6% QoQ
|
-9.63% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
55.06%
-18.4% YoY
-13.6% QoQ
|
+32.67% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.83%
+0.4% YoY
-4.9% QoQ
|
+5.98% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.23%
+26.3% YoY
+23.8% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (6)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.83%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.03%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.27%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
55.06%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 55.06% · Tier avg: 22.39%
98
98th pctile
Efficiency Ratio
Current: 40.27% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
75
75th pctile
Total Deposits
Current: $271.2M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $305.5M · Tier avg: $217.5M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.83% · Tier avg: 8.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 64.90% · Tier avg: 74.53%
68
68th pctile
Total Loans
Current: $176.0M · Tier avg: $139.2M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
68
68th pctile
Total Loans
Current: $176.0M · Tier avg: $139.2M
69
69th pctile
Loan-to-Deposit Ratio
Current: 64.90% · Tier avg: 74.53%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.83% · Tier avg: 8.85%
73
73th pctile
Total Assets
Current: $305.5M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $271.2M · Tier avg: $183.7M
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 40.27% · Tier avg: 67.73%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 55.06% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%