BlastPoint's Banking Scorecard
Western Bank
Community
Specialty: Commercial
TX
FDIC cert 1720
Lubbock, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Western Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 30% in Community
- + Net Interest Margin 1.51% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34% in Community
- - Nonperforming Asset Ratio 1.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$844.8M
+6.6% YoY
+0.9% QoQ
|
-$546.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$676.6M
+7.7% YoY
+1.5% QoQ
|
-$298.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$729.0M
+0.6% YoY
+1.1% QoQ
|
-$435.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.76%
+30.9% YoY
-9.2% QoQ
|
+0.60% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
5.18%
+12.5% YoY
+1.7% QoQ
|
+1.51% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
64.26%
-7.6% YoY
+2.0% QoQ
|
+1.63% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? | 1.32% | +0.70% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
92.80%
+7.0% YoY
+0.4% QoQ
|
+9.74% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
24.42%
+10.9% YoY
+6.2% QoQ
|
+3.37% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.87%
+103.8% YoY
+111.2% QoQ
|
+1.37% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.54%
+3.9% YoY
+21.0% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#111 of 371 · Top 30% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.18%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Liquidity Strain
risk
#176 of 513 · Bottom 34% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.80%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.87%
(Tier avg: 0.50%, National avg: 0.48%)
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
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.42% · Tier avg: 21.05%
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
48
48th pctile
Total Loans
Current: $676.6M · Tier avg: $975.5M
44
44th pctile
Efficiency Ratio
Current: 64.26% · Tier avg: 62.63%
40
40th pctile
Total Deposits
Current: $729.0M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $844.8M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.80% · Tier avg: 83.06%
19
19th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.87% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.87% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.63%
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.80% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Total Assets
Current: $844.8M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $729.0M · Tier avg: $1.2B
44
44th pctile
Efficiency Ratio
Current: 64.26% · Tier avg: 62.63%
48
48th pctile
Total Loans
Current: $676.6M · Tier avg: $975.5M
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.42% · Tier avg: 21.05%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%