BlastPoint's Banking Scorecard
West Texas State Bank
Micro
Specialty: Commercial
TX
FDIC cert 16866
Designations: ✓ Community bank
Snyder, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
West Texas State Bank shows strong momentum with 3 strengths and 19.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.29% above tier
- + Net Interest Margin 1.16% above tier
- + Efficiency Ratio 21.25% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$380.9M
+19.0% YoY
+4.7% QoQ
|
+$163.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$243.2M
+14.8% YoY
+3.8% QoQ
|
+$104.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$335.1M
+18.4% YoY
+4.7% QoQ
|
+$151.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
2.38%
-1.8% YoY
-0.3% QoQ
|
+1.29% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.01%
-2.9% YoY
-0.4% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
46.48%
+13.8% YoY
-0.3% QoQ
|
-21.25% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.17%
-87.1% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
72.59%
-3.0% YoY
-0.9% QoQ
|
-1.94% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
27.18%
-0.5% YoY
-4.8% QoQ
|
+4.79% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.00%
-11.0% YoY
-43.8% QoQ
|
+0.55% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.30%
-21.4% YoY
+41.4% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.01%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.48%
(Tier avg: 67.73%, National avg: 65.09%)
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
95
95th pctile
Return on Assets
Current: 2.38% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 46.48% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
87
87th pctile
Total Deposits
Current: $335.1M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $380.9M · Tier avg: $217.5M
83
83th pctile
Total Loans
Current: $243.2M · Tier avg: $139.2M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.18% · Tier avg: 22.39%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.59% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
Top Weaknesses
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.59% · Tier avg: 74.53%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.18% · Tier avg: 22.39%
83
83th pctile
Total Loans
Current: $243.2M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $380.9M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $335.1M · Tier avg: $183.7M
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
94
94th pctile
Efficiency Ratio
Current: 46.48% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.38% · Tier avg: 1.08%