BlastPoint's Banking Scorecard
West Gate Bank
Community
Specialty: Commercial
NE
FDIC cert 19850
Lincoln, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
West Gate Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 38% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.8% YoY
+2.9% QoQ
|
+$12.5M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$981.2M
+6.9% YoY
+2.2% QoQ
|
+$5.8M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.2B
+23.5% YoY
+3.6% QoQ
|
+$12.7M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.94%
+42.0% YoY
-1.5% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.39%
+0.3% YoY
+0.9% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
76.19%
-2.7% YoY
+2.1% QoQ
|
+13.56% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.30%
+101.3% YoY
+45.4% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
83.34%
-13.4% YoY
-1.3% QoQ
|
+0.28% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
22.29%
-17.6% YoY
+10.4% QoQ
|
+1.24% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.21%
+99.7% YoY
+44.5% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.54%
+136.2% YoY
+35.5% QoQ
|
+0.80% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#142 of 371 · Top 38% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.54%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#222 of 642 · Bottom 34% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 0.74%
67
67th pctile
Total Loans
Current: $981.2M · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.29% · Tier avg: 21.05%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.34% · Tier avg: 83.06%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Efficiency Ratio
Current: 76.19% · Tier avg: 62.63%
Top Weaknesses
15
15th pctile
Efficiency Ratio
Current: 76.19% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.34% · Tier avg: 83.06%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.29% · Tier avg: 21.05%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Loans
Current: $981.2M · Tier avg: $975.5M
93
93th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 0.74%