BlastPoint's Banking Scorecard
Westside State Bank
Micro
Specialty: Other
IA
FDIC cert 18518
Designations: ✓ Community bank
Westside, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Westside State Bank shows strong momentum with 1 strength and 15.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 45.48% above 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.0M
+15.9% YoY
+2.7% QoQ
|
+$37.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$225.6M
+18.9% YoY
+2.9% QoQ
|
+$86.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$188.0M
+13.4% YoY
+2.1% QoQ
|
+$4.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.29%
+40.5% YoY
-6.0% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.96%
+16.0% YoY
+0.7% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
59.99%
-13.7% YoY
-1.3% QoQ
|
-7.73% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.18%
+91.2% YoY
+69.8% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
120.01%
+4.8% YoY
+0.8% QoQ
|
+45.48% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.19%
+1.3% YoY
+4.9% QoQ
|
-3.21% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.16%
+96.1% YoY
+70.2% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
10.59%
+4.2% YoY
+0.8% QoQ
|
+1.74% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.23%
-25.0% YoY
+25.2% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
120.01%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 120.01% · Tier avg: 74.53%
80
80th pctile
Total Loans
Current: $225.6M · Tier avg: $139.2M
67
67th pctile
Efficiency Ratio
Current: 59.99% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
63
63th pctile
Total Assets
Current: $255.0M · Tier avg: $217.5M
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
56
56th pctile
Total Deposits
Current: $188.0M · Tier avg: $183.7M
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.59% · Tier avg: 8.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.19% · Tier avg: 22.39%
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%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.19% · Tier avg: 22.39%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.59% · Tier avg: 8.85%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
56
56th pctile
Total Deposits
Current: $188.0M · Tier avg: $183.7M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
63
63th pctile
Total Assets
Current: $255.0M · Tier avg: $217.5M
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
67
67th pctile
Efficiency Ratio
Current: 59.99% · Tier avg: 67.73%
80
80th pctile
Total Loans
Current: $225.6M · Tier avg: $139.2M
99
99th pctile
Loan-to-Deposit Ratio
Current: 120.01% · Tier avg: 74.53%